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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.42% | 0.39% | 0.42% | 0.08% | -23 bps | |
| Return on Equity | 2.94% | 4.05% | 3.71% | 4.05% | 0.74% | -220 bps | |
| Net Interest Margin | 2.96% | 3.03% | 3.04% | 3.03% | 3.06% | +10 bps | |
| Efficiency Ratio | 88.77% | 86.15% | 84.88% | 83.33% | 95.47% | +670 bps | |
| Non-Interest Burden | 2.54% | 2.51% | 2.48% | 2.42% | 2.89% | +35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.03% | 5.74% | -4.78% | 1.39% | -1.39% | -36 bps | |
| Loan Growth (YoY) | -0.64% | 1.89% | -3.49% | -0.37% | 0.70% | +134 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.33% | 0.15% | 0.10% | +8 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.51% | 10.44% | 10.51% | 10.67% | 10.57% | +6 bps | |
| Total Risk-Based Capital | 25.47% | 25.42% | 26.62% | 26.72% | 26.96% | +149 bps | |
| Equity / Assets | 10.33% | 10.18% | 10.73% | 10.54% | 10.35% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.09% | 53.63% | 55.35% | 54.05% | 54.24% | +115 bps | |
| Liquid Assets / Assets | 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 |