Pecos, TX · Charter 19962
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 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.
Pecos, TX · Charter 19962
Q4 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -0.30% | -1.16% | -1.04% | -0.73% | -0.98% | -1.08% | -1.18% | -13 bps | |
| Return on Equity | 1.14% | -1.27% | -5.06% | -4.58% | -3.40% | -4.66% | -4.88% | -5.43% | -85 bps | |
| Net Interest Margin | 7.17% | 6.85% | 6.25% | 5.83% | 4.87% | 4.47% | 5.12% | 4.68% | -115 bps | |
| Efficiency Ratio | 94.96% | 103.03% | 117.10% | 116.35% | 113.36% | 118.74% | 112.07% | 112.23% | -412 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.56% | -22.12% | -6.26% | -3.53% | 2.15% | 6.25% | -1.41% | 0.11% | +364 bps | |
| Loan Growth (YoY) | -24.69% | -24.81% | -30.73% | -30.47% | -30.69% | -2.81% | 0.14% | -0.65% | +2,982 bps | |
| Share Growth (YoY) | -20.69% | -27.16% | -7.76% | -3.27% | 4.45% | 10.07% | 0.23% | 1.93% | +520 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 3.12% | 3.51% | 5.67% | 6.96% | 4.17% | 3.24% | 2.20% | -346 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.53% | 0.61% | 0.68% | 0.78% | 0.05% | 0.53% | 0.43% | -25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.25% | 23.76% | 22.98% | 22.72% | 21.52% | 21.03% | 22.03% | 21.66% | -106 bps | |
| Net Worth / Assets | 23.25% | 23.76% | 22.98% | 22.72% | 21.52% | 21.03% | 22.03% | 21.66% | -106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.12% | 84.82% | 73.48% | 69.46% | 57.15% | 74.89% | 73.41% | 67.70% | -176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |