Tuscola, TX · Cert 19641
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.
Tuscola, TX · Cert 19641
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 | 1.76% | 1.11% | 0.78% | 0.62% | 0.32% | 0.60% | 0.57% | -0.02% | -64 bps | |
| Return on Equity | 18.05% | 11.79% | 8.34% | 6.68% | 3.47% | 6.44% | 6.02% | -0.24% | -692 bps | |
| Net Interest Margin | 3.01% | 2.91% | 2.74% | 2.78% | 2.54% | 2.72% | 2.72% | 2.76% | -2 bps | |
| Efficiency Ratio | 62.82% | 74.18% | 80.25% | 84.58% | 90.67% | 82.69% | 85.98% | 103.01% | +1,843 bps | |
| Non-Interest Burden | 0.89% | 1.72% | 1.93% | 2.16% | 2.23% | 2.11% | 2.23% | 2.86% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.52% | 11.52% | 0.11% | 7.04% | 3.94% | -6.74% | -5.32% | -1.82% | -886 bps | |
| Loan Growth (YoY) | 4.58% | 16.61% | 0.90% | -5.71% | -6.06% | 4.03% | 13.59% | 13.48% | +1,918 bps | |
| Deposit Growth (YoY) | 3.42% | 11.81% | -0.23% | 7.79% | 3.01% | -7.21% | -5.49% | -1.96% | -975 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 | 0.00% | -1.16% | -0.80% | -0.61% | 0.00% | 0.00% | -0.04% | 0.08% | +69 bps | |
| Allowance / Loans | 1.06% | 1.69% | 1.74% | 1.77% | 1.73% | 1.62% | 1.56% | 1.47% | -29 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 | 20.14% | 24.83% | 20.78% | 20.57% | 20.47% | 19.99% | 19.95% | 19.00% | -158 bps | |
| Equity / Assets | 9.79% | 8.79% | 9.13% | 9.22% | 9.43% | 9.44% | 9.56% | 9.05% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.05% | 31.08% | 31.26% | 31.18% | 33.79% | 34.85% | 37.57% | 36.08% | +491 bps | |
| Liquid Assets / Assets | 40.60% | 44.16% | 42.90% | 51.75% | 48.10% | 40.14% | 36.49% | 41.35% | -1,040 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |