Sherman, TX · Cert 20473
FDIC · 34 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Sherman, TX · Cert 20473
FDIC · 34 branches
Q3 2016
Market Position · Sherman-Denison, TX · 2016 SOD (annual) · 33.6% share · #1 of 13 inst. · $0.8B of $2.3B
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.33% | 1.39% | 1.42% | 1.48% | 1.52% | +18 bps | |
| Return on Equity | 9.32% | 9.73% | 9.88% | 10.21% | 10.38% | +107 bps | |
| Net Interest Margin | 3.50% | 3.54% | 3.70% | 3.72% | 3.68% | +18 bps | |
| Efficiency Ratio | 52.29% | 51.17% | 50.52% | 49.41% | 49.59% | -270 bps | |
| Non-Interest Burden | 1.53% | 1.52% | 1.58% | 1.52% | 1.53% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.35% | 6.84% | 4.69% | 6.17% | 7.32% | +596 bps | |
| Loan Growth (YoY) | 2.26% | 2.30% | 2.37% | 9.09% | 11.30% | +904 bps | |
| Deposit Growth (YoY) | 0.55% | 6.76% | 4.38% | 5.56% | 6.94% | +638 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.53% | 1.51% | 1.47% | 1.41% | 1.37% | -16 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.41% | 13.44% | 13.42% | 13.68% | 13.84% | +43 bps | |
| Total Risk-Based Capital | 17.36% | 17.62% | 16.69% | 16.62% | 17.57% | +21 bps | |
| Equity / Assets | 14.61% | 14.12% | 14.59% | 14.88% | 14.89% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.43% | 70.83% | 74.49% | 76.57% | 77.46% | +304 bps | |
| Liquid Assets / Assets | 7.27% | 10.73% | 7.17% | 4.53% | 10.64% | +337 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |