Littlefield, TX · Cert 16631
FDIC · 3 branches
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Littlefield, TX · Cert 16631
FDIC · 3 branches
Q4 2015
Market Position · Lubbock, TX · 2015 SOD (annual) · 0.6% share · #20 of 28 inst. · $0.0B of $7.7B
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.94% | 1.59% | 1.40% | 0.53% | 0.60% | 0.64% | -0.71% | -211 bps | |
| Return on Equity | 7.73% | 19.05% | 15.34% | 13.56% | 5.09% | 5.58% | 5.96% | -6.73% | -2,029 bps | |
| Net Interest Margin | 4.03% | 4.17% | 4.27% | 4.02% | 3.71% | 3.90% | 3.94% | 3.89% | -14 bps | |
| Efficiency Ratio | 81.81% | 81.26% | 81.41% | 81.42% | 87.86% | 86.85% | 86.23% | 84.62% | +320 bps | |
| Non-Interest Burden | 3.18% | 3.27% | 3.36% | 3.17% | 3.17% | 3.27% | 3.29% | 3.17% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.51% | -4.09% | -6.47% | 6.10% | 3.72% | 2.86% | 4.99% | -4.29% | -1,039 bps | |
| Loan Growth (YoY) | 15.18% | -0.90% | -4.59% | 0.70% | -4.09% | 2.57% | 7.45% | 1.71% | +101 bps | |
| Deposit Growth (YoY) | 3.70% | 4.19% | 2.62% | 1.87% | 2.62% | -0.66% | -3.32% | -9.69% | -1,156 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 | 0.12% | 0.06% | 0.05% | 0.04% | 0.05% | 0.03% | 0.04% | 2.05% | +201 bps | |
| Allowance / Loans | 1.32% | 1.35% | 1.29% | 1.24% | 1.38% | 1.29% | 1.17% | 1.13% | -11 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 | n/a | 9.89% | 10.49% | 10.45% | 8.78% | n/a | |
| Total Risk-Based Capital | 13.78% | 14.86% | 14.27% | 13.24% | 15.34% | 15.99% | 15.45% | 13.53% | +29 bps | |
| Equity / Assets | 9.98% | 11.22% | 11.06% | 10.12% | 10.90% | 11.34% | 10.94% | 9.50% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.00% | 84.01% | 85.70% | 82.94% | 73.83% | 86.75% | 95.24% | 93.41% | +1,047 bps | |
| Liquid Assets / Assets | 1.03% | 1.15% | 0.91% | 0.96% | 2.73% | 0.87% | 0.54% | 0.63% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |