Jourdanton, TX · Cert 15879
FDIC · 4 branches
Q1 2016
Market Position · San Antonio-New Braunfels, TX · 2015 SOD (annual) · 0.1% share · #26 of 62 inst. · $0.1B of $92.1B
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.73% | 0.73% | 0.61% | 0.64% | 0.60% | 0.67% | 0.32% | -29 bps | |
| Return on Equity | 7.38% | 7.37% | 7.32% | 6.09% | 6.21% | 5.69% | 6.33% | 3.00% | -308 bps | |
| Net Interest Margin | 2.51% | 2.41% | 2.38% | 2.33% | 2.34% | 2.39% | 2.33% | 2.17% | -16 bps | |
| Efficiency Ratio | 74.58% | 73.94% | 73.58% | 75.21% | 76.60% | 76.53% | 78.36% | 87.21% | +1,201 bps | |
| Non-Interest Burden | 1.56% | 1.47% | 1.44% | 1.49% | 1.54% | 1.57% | 1.59% | 1.74% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.32% | 15.72% | 15.22% | 8.17% | -0.22% | 0.81% | -3.16% | -3.54% | -1,170 bps | |
| Loan Growth (YoY) | -6.90% | -2.61% | -6.35% | -8.03% | -3.81% | -8.35% | -9.42% | -11.04% | -301 bps | |
| Deposit Growth (YoY) | 15.48% | 16.36% | 15.28% | 7.08% | -1.25% | -0.34% | -3.98% | -4.35% | -1,143 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 | 0.02% | 0.06% | 0.04% | -0.04% | -0.03% | 0.22% | 0.20% | -0.17% | -13 bps | |
| Allowance / Loans | 0.99% | 0.93% | 0.96% | 0.99% | 1.02% | 1.00% | 0.99% | 1.07% | +8 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 | n/a | n/a | 10.14% | 10.39% | 10.88% | 10.76% | 10.90% | +76 bps | |
| Total Risk-Based Capital | 26.64% | 26.67% | 27.01% | 27.10% | 28.02% | 30.03% | 28.60% | 28.12% | +102 bps | |
| Equity / Assets | 10.11% | 10.24% | 9.96% | 10.19% | 10.94% | 11.21% | 10.70% | 10.88% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.39% | 20.73% | 19.22% | 18.26% | 19.86% | 19.06% | 18.13% | 16.99% | -128 bps | |
| Liquid Assets / Assets | 7.72% | 7.29% | 9.65% | 5.72% | 4.43% | 6.67% | 4.89% | 7.65% | +194 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |