Wills Point, TX · Cert 23450
FDIC · 3 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.
Wills Point, TX · Cert 23450
FDIC · 3 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.53% | 1.63% | 1.72% | 1.74% | 1.74% | 1.64% | 0.47% | -125 bps | |
| Return on Equity | 14.88% | 13.75% | 14.72% | 15.58% | 15.82% | 16.11% | 15.08% | 4.48% | -1,110 bps | |
| Net Interest Margin | 3.29% | 3.17% | 3.29% | 3.31% | 3.23% | 3.26% | 3.32% | 3.22% | -9 bps | |
| Efficiency Ratio | 57.95% | 60.19% | 58.37% | 56.32% | 55.91% | 55.06% | 57.52% | 87.65% | +3,133 bps | |
| Non-Interest Burden | 1.65% | 1.70% | 1.69% | 1.62% | 1.57% | 1.55% | 1.68% | 2.75% | +114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.98% | 14.65% | 12.37% | 13.92% | 13.25% | 10.52% | 10.53% | 18.33% | +441 bps | |
| Loan Growth (YoY) | 11.62% | 11.94% | 12.33% | 13.34% | 13.27% | 11.59% | 8.77% | 11.30% | -203 bps | |
| Deposit Growth (YoY) | 12.96% | 15.93% | 13.48% | 15.07% | 14.16% | 10.67% | 10.12% | 20.40% | +532 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% | -0.01% | 0.01% | 0.01% | 0.01% | -0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.06% | 1.06% | 1.04% | 1.02% | 0.99% | 0.95% | -11 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 | 10.22% | 10.60% | 10.66% | 10.73% | 10.28% | 10.56% | 9.46% | -120 bps | |
| Total Risk-Based Capital | 19.99% | 19.37% | 20.34% | 20.46% | 20.43% | 18.94% | 18.91% | 14.98% | -548 bps | |
| Equity / Assets | 11.53% | 10.82% | 10.83% | 10.93% | 10.94% | 10.63% | 11.10% | 9.34% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.64% | 62.02% | 64.63% | 64.30% | 63.15% | 62.54% | 63.84% | 59.45% | -486 bps | |
| Liquid Assets / Assets | 23.33% | 22.19% | 16.10% | 15.89% | 17.67% | 20.65% | 6.54% | 6.77% | -912 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |