Groesbeck, TX · Cert 23891
FDIC · 1 branch
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.
Groesbeck, TX · Cert 23891
FDIC · 1 branch
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 | 0.35% | 0.25% | 0.29% | 0.31% | 0.42% | 0.39% | 0.42% | 0.08% | -23 bps | |
| Return on Equity | 3.32% | 2.45% | 2.77% | 2.94% | 4.05% | 3.71% | 4.05% | 0.74% | -220 bps | |
| Net Interest Margin | 3.14% | 3.04% | 3.00% | 2.96% | 3.03% | 3.04% | 3.03% | 3.06% | +10 bps | |
| Efficiency Ratio | 90.27% | 91.30% | 89.61% | 88.77% | 86.15% | 84.88% | 83.33% | 95.47% | +670 bps | |
| Non-Interest Burden | 2.76% | 2.71% | 2.61% | 2.54% | 2.51% | 2.48% | 2.42% | 2.89% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.45% | 10.48% | 3.22% | -1.03% | 5.74% | -4.78% | 1.39% | -1.39% | -36 bps | |
| Loan Growth (YoY) | -8.54% | -1.41% | 0.22% | -0.64% | 1.89% | -3.49% | -0.37% | 0.70% | +134 bps | |
| Deposit Growth (YoY) | 4.61% | 11.48% | 3.19% | -1.64% | 6.23% | -5.47% | 1.52% | -1.44% | +20 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 | -0.14% | 0.00% | 0.00% | 0.02% | 0.01% | 0.33% | 0.15% | 0.10% | +8 bps | |
| Allowance / Loans | 2.00% | 1.93% | 1.99% | 1.99% | 1.96% | 1.91% | 1.92% | 1.90% | -8 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 | 10.59% | 10.53% | 10.51% | 10.44% | 10.51% | 10.67% | 10.57% | +6 bps | |
| Total Risk-Based Capital | 25.41% | 24.47% | 25.66% | 25.47% | 25.42% | 26.62% | 26.72% | 26.96% | +149 bps | |
| Equity / Assets | 10.66% | 10.09% | 10.57% | 10.33% | 10.18% | 10.73% | 10.54% | 10.35% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.91% | 54.21% | 55.07% | 53.09% | 53.63% | 55.35% | 54.05% | 54.24% | +115 bps | |
| Liquid Assets / Assets | 43.66% | 42.08% | 45.46% | 46.77% | 46.67% | 45.69% | 47.25% | 48.92% | +215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |