Tenaha, TX · Cert 18148
FDIC
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.97% | 1.13% | 0.95% | 0.81% | 1.02% | 0.98% | -2.53% | -348 bps | |
| Return on Equity | 9.84% | -7.67% | 8.74% | 7.27% | 6.20% | 7.90% | 7.68% | -21.03% | -2,830 bps | |
| Net Interest Margin | 4.30% | 4.01% | 4.01% | 3.75% | 3.37% | 3.18% | 3.06% | 2.76% | -99 bps | |
| Efficiency Ratio | 54.36% | 54.72% | 61.75% | 66.31% | 78.51% | 71.77% | 70.16% | 133.12% | +6,681 bps | |
| Non-Interest Burden | 2.16% | 1.99% | 2.32% | 2.35% | 2.56% | 2.16% | 2.02% | 3.86% | +151 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% | 6.29% | 0.88% | 1.51% | -1.82% | 0.76% | 3.54% | 0.77% | -74 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 |