Tenaha, TX · Cert 18148
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Tenaha, TX · Cert 18148
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 0.14% | 0.47% | 0.59% | 0.81% | 0.92% | 0.94% | 0.07% | -52 bps | |
| Return on Equity | 9.84% | 1.07% | 3.63% | 4.55% | 6.20% | 7.07% | 7.26% | 0.54% | -402 bps | |
| Net Interest Margin | 4.30% | 4.17% | 4.16% | 4.06% | 3.37% | 3.29% | 3.24% | 3.04% | -102 bps | |
| Efficiency Ratio | 54.36% | 54.53% | 56.85% | 59.04% | 78.51% | 75.22% | 73.62% | 87.77% | +2,873 bps | |
| Non-Interest Burden | 2.16% | 2.08% | 2.18% | 2.23% | 2.56% | 2.37% | 2.27% | 2.62% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.43% | 4.87% | 3.26% | 4.59% | -1.18% | -0.78% | 0.91% | 1.49% | -310 bps | |
| Loan Growth (YoY) | -10.79% | -17.86% | -15.77% | -20.05% | -26.92% | -27.02% | -23.04% | -20.24% | -19 bps | |
| Deposit Growth (YoY) | 4.50% | 4.58% | 3.53% | 4.81% | -1.62% | -0.55% | 1.56% | 3.11% | -170 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 | -0.79% | 2.72% | 2.23% | 2.20% | -1.82% | -0.60% | 0.77% | 0.80% | -140 bps | |
| Allowance / Loans | 2.09% | 2.32% | 2.26% | 2.39% | 3.07% | 3.12% | 2.28% | 3.50% | +111 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 | 29.37% | 30.62% | 32.59% | 35.21% | 38.06% | 40.94% | 41.60% | 41.62% | +641 bps | |
| Equity / Assets | 12.52% | 12.73% | 13.13% | 13.12% | 13.06% | 12.77% | 12.63% | 11.40% | -173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.54% | 47.29% | 44.99% | 40.78% | 36.80% | 34.70% | 34.09% | 31.54% | -923 bps | |
| Liquid Assets / Assets | 12.39% | 12.98% | 12.92% | 14.11% | 16.19% | 17.09% | 16.34% | 15.22% | +111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |