Granbury, TX · Cert 20202
FDIC · 10 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 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.
Granbury, TX · Cert 20202
FDIC · 10 branches
Q3 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.3% share · #37 of 168 inst. · $0.5B of $206.1B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.59% | 1.52% | 1.52% | 1.46% | 1.21% | 1.32% | 0.15% | -137 bps | |
| Return on Equity | 16.90% | 18.33% | 17.49% | 17.43% | 16.59% | 13.56% | 14.62% | 1.35% | -1,609 bps | |
| Net Interest Margin | 3.40% | 3.39% | 3.39% | 3.31% | 3.30% | 3.33% | 3.33% | 0.65% | -266 bps | |
| Efficiency Ratio | 67.12% | 64.69% | 65.92% | 66.02% | 67.22% | 71.35% | 69.27% | 77.64% | +1,162 bps | |
| Non-Interest Burden | 1.91% | 1.80% | 1.86% | 1.81% | 1.87% | 2.11% | 2.01% | 0.46% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.57% | 2.75% | 3.89% | 2.87% | 1.85% | 3.85% | 2.94% | 13.81% | +1,094 bps | |
| Loan Growth (YoY) | 4.68% | 4.10% | 4.11% | 2.65% | 2.07% | 3.75% | 1.36% | 1.18% | -146 bps | |
| Deposit Growth (YoY) | 4.27% | 1.81% | 3.05% | 2.30% | 1.43% | 4.49% | 3.99% | 5.17% | +287 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 | 0.03% | 0.14% | 0.08% | 0.10% | 0.10% | 0.01% | -0.01% | 0.00% | -9 bps | |
| Allowance / Loans | 0.87% | 0.84% | 0.81% | 0.80% | 0.75% | 0.74% | 0.74% | 0.77% | -3 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 | 19.35% | 19.29% | 19.23% | 19.72% | 19.56% | 20.00% | 20.81% | 21.36% | +164 bps | |
| Equity / Assets | 8.57% | 8.72% | 8.74% | 8.87% | 8.99% | 8.92% | 9.18% | 16.51% | +764 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.99% | 57.15% | 57.30% | 55.82% | 57.35% | 56.75% | 55.85% | 53.71% | -212 bps | |
| Liquid Assets / Assets | 41.56% | 42.90% | 43.06% | 44.41% | 43.00% | 43.68% | 44.34% | 12.61% | -3,180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |