Carrizo Springs, TX · Cert 16686
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Carrizo Springs, TX · Cert 16686
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.34% | 0.40% | 0.17% | 0.18% | 0.18% | 0.23% | 0.23% | +5 bps | |
| Return on Equity | 2.21% | 3.97% | 4.77% | 2.12% | 2.12% | 2.17% | 2.81% | 2.74% | +63 bps | |
| Net Interest Margin | 4.63% | 4.53% | 4.46% | 3.99% | 3.83% | 3.78% | 3.72% | 3.09% | -91 bps | |
| Efficiency Ratio | 93.45% | 90.55% | 89.22% | 92.64% | 92.40% | 93.51% | 92.87% | 93.86% | +122 bps | |
| Non-Interest Burden | 4.28% | 4.03% | 3.90% | 3.65% | 3.49% | 3.49% | 3.40% | 2.86% | -79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 10.87% | 4.57% | -1.86% | 0.20% | -1.11% | -3.16% | 4.32% | +619 bps | |
| Loan Growth (YoY) | -12.66% | -14.67% | -11.63% | -9.12% | -7.20% | -8.15% | -14.90% | -21.15% | -1,204 bps | |
| Deposit Growth (YoY) | 2.74% | 11.82% | 5.14% | -1.74% | 0.46% | -0.70% | -3.34% | 4.67% | +641 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 | 0.60% | 0.53% | 0.54% | -0.02% | 0.84% | 0.64% | 0.61% | 0.00% | +2 bps | |
| Allowance / Loans | 1.17% | 1.20% | 1.16% | 1.22% | 0.93% | 0.93% | 0.94% | 0.99% | -23 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 | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.36% | 15.04% | 14.84% | 15.04% | 14.94% | 15.48% | 16.64% | 17.36% | +232 bps | |
| Equity / Assets | 8.54% | 8.49% | 8.23% | 8.17% | 8.43% | 8.23% | 8.55% | 8.00% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.09% | 56.79% | 55.50% | 56.69% | 56.43% | 52.53% | 48.86% | 42.71% | -1,399 bps | |
| Liquid Assets / Assets | 30.08% | 34.69% | 36.81% | 38.58% | 37.05% | 40.00% | 44.04% | 49.11% | +1,053 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |