Tyler, TX · Charter 15112
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tyler, TX · Charter 15112
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.63% | -5.78% | -7.66% | -6.80% | -7.83% | -11.69% | -12.24% | -38.47% | -3,168 bps | |
| Return on Equity | -11.69% | -12.43% | -16.59% | -14.95% | -17.46% | -21.44% | -22.52% | -100.56% | -8,562 bps | |
| Net Interest Margin | 5.17% | 4.74% | 4.37% | 4.22% | 4.12% | 3.10% | 2.74% | -17.08% | -2,130 bps | |
| Efficiency Ratio | 183.01% | 222% | 275% | 261% | 268% | 477% | 546% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.92% | -25.40% | -23.53% | -23.17% | -24.77% | -28.87% | -29.57% | -35.86% | -1,269 bps | |
| Loan Growth (YoY) | -41.82% | -43.09% | -42.16% | -41.72% | -43.60% | -57.04% | -74.10% | -91.72% | -5,000 bps | |
| Share Growth (YoY) | -16.40% | -34.44% | -30.27% | -29.58% | -31.45% | -39.53% | -40.17% | -26.47% | +310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.32% | 0.40% | 0.00% | 20.22% | 0.00% | -132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.49% | 1.56% | 1.75% | 5.59% | 8.13% | 14.29% | 26.62% | +2,487 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 39.61% | 46.54% | 46.19% | 45.46% | 44.83% | 54.52% | 54.34% | 38.26% | -720 bps | |
| Net Worth / Assets | 39.61% | 46.54% | 46.19% | 45.46% | 44.83% | 54.52% | 54.34% | 38.26% | -720 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.90% | 71.98% | 71.13% | 63.54% | 50.92% | 51.14% | 30.79% | 7.16% | -5,638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |