Dalhart, TX · Cert 14508
FDIC · 1 branch
Q3 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.43% | 1.17% | 1.25% | 1.12% | 1.11% | 1.11% | 1.10% | -15 bps | |
| Return on Equity | 12.13% | 13.65% | 11.18% | 11.72% | 10.56% | 10.19% | 10.16% | 10.12% | -159 bps | |
| Net Interest Margin | 3.44% | 3.49% | 3.69% | 3.50% | 3.45% | 3.55% | 3.55% | 3.17% | -34 bps | |
| Efficiency Ratio | 65.43% | 61.63% | 62.29% | 62.87% | 66.83% | 69.05% | 68.44% | 69.01% | +614 bps | |
| Non-Interest Burden | 2.21% | 2.09% | 2.23% | 2.14% | 2.26% | 2.40% | 2.38% | 2.13% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.25% | -7.37% | 3.47% | -12.39% | 1.86% | 0.55% | 3.01% | 7.61% | +2,000 bps | |
| Loan Growth (YoY) | 1.81% | 6.39% | 8.08% | 1.34% | -4.45% | -3.38% | -12.40% | -4.50% | -585 bps | |
| Deposit Growth (YoY) | -4.44% | -9.09% | -0.35% | -13.74% | 1.42% | 0.17% | 6.63% | 8.23% | +2,198 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.01% | 0.35% | 0.24% | 0.19% | 0.00% | 0.00% | 0.00% | -24 bps | |
| Allowance / Loans | 1.52% | 1.55% | 1.50% | 1.54% | 1.62% | 1.64% | 1.73% | 1.63% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | 10.20% | 10.76% | 10.44% | 10.21% | 11.10% | 11.26% | 10.24% | -20 bps | |
| Total Risk-Based Capital | 15.72% | 16.66% | 16.02% | 16.78% | 17.04% | 17.75% | 18.24% | 17.72% | +94 bps | |
| Equity / Assets | 10.02% | 10.94% | 10.60% | 11.06% | 10.42% | 11.36% | 10.98% | 10.78% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.71% | 71.19% | 75.61% | 72.01% | 64.73% | 68.67% | 62.12% | 63.54% | -847 bps | |
| Liquid Assets / Assets | 4.81% | 6.78% | 2.87% | 6.31% | 3.12% | 3.52% | 3.42% | 7.07% | +77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |