Wills Point, TX · Cert 23450
FDIC · 3 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.53% | 1.71% | 1.89% | 1.81% | 1.74% | 1.55% | -1.72% | -361 bps | |
| Return on Equity | 13.61% | 13.75% | 15.77% | 17.38% | 16.59% | 16.11% | 14.24% | -16.90% | -3,428 bps | |
| Net Interest Margin | 3.36% | 3.17% | 3.39% | 3.48% | 3.37% | 3.26% | 3.36% | 3.27% | -21 bps | |
| Efficiency Ratio | 60.09% | 60.19% | 56.67% | 52.53% | 54.77% | 55.06% | 59.94% | 145.96% | +9,343 bps | |
| Non-Interest Burden | 1.82% | 1.70% | 1.67% | 1.55% | 1.58% | 1.55% | 1.80% | 5.03% | +349 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 | 0.07% | -0.01% | 0.02% | 0.02% | 0.01% | -0.01% | 0.02% | 0.00% | -2 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 |