Elkhart, TX · Cert 19487
FDIC · 1 branch
Q1 2015
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -0.52% | -1.92% | -0.19% | -3.26% | -6.16% | -6.22% | -4.15% | -396 bps | |
| Return on Equity | -10.57% | -4.97% | -19.52% | -2.52% | -44.21% | -103.42% | -126.43% | 615% | +61,800 bps | |
| Net Interest Margin | 4.22% | 4.07% | 3.85% | 3.26% | 3.17% | 3.30% | 3.50% | 2.74% | -52 bps | |
| Efficiency Ratio | 98.93% | 96.31% | 98.99% | 104.66% | 118.65% | 118.63% | 103.21% | 149.64% | +4,498 bps | |
| Non-Interest Burden | 4.17% | 3.89% | 3.80% | 3.44% | 3.88% | 4.03% | 3.66% | 4.54% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.05% | 5.47% | 5.79% | 4.70% | 7.24% | -7.14% | -21.77% | -29.32% | -3,402 bps | |
| Loan Growth (YoY) | -0.38% | -9.81% | -18.80% | -20.16% | -21.60% | -30.15% | -37.38% | -47.27% | -2,711 bps | |
| Deposit Growth (YoY) | 16.44% | 9.67% | 10.69% | 7.98% | 10.04% | -3.39% | -18.89% | -26.20% | -3,418 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 | 3.85% | 3.09% | 5.85% | 1.09% | 0.92% | 11.53% | 17.42% | 16.56% | +1,547 bps | |
| Allowance / Loans | 2.67% | 2.78% | 3.89% | 3.89% | 8.30% | 14.08% | 18.59% | 22.21% | +1,832 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 | 2.79% | n/a | n/a |
| Total Risk-Based Capital | 19.71% | 20.93% | 18.30% | 17.86% | 16.07% | 12.13% | 10.97% | 9.87% | -799 bps | |
| Equity / Assets | 9.59% | 9.83% | 7.71% | 7.55% | 6.83% | 1.19% | -0.22% | -1.18% | -873 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.72% | 38.13% | 32.21% | 30.77% | 29.72% | 27.57% | 24.86% | 21.98% | -878 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 6.74% | 9.08% | 5.54% | 10.21% | 15.90% | 12.83% | +375 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |