Groesbeck, TX · Cert 23891
FDIC · 1 branch
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.75% | 0.39% | 0.47% | -0.62% | -96 bps | |
| Return on Equity | 3.27% | 7.34% | 3.71% | 4.39% | -5.91% | -918 bps | |
| Net Interest Margin | 2.93% | 3.21% | 3.04% | 2.99% | 3.08% | +15 bps | |
| Efficiency Ratio | 87.10% | 78.79% | 84.88% | 81.76% | 119.56% | +3,246 bps | |
| Non-Interest Burden | 2.46% | 2.37% | 2.48% | 2.32% | 3.82% | +136 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 | 0.05% | -0.02% | 0.33% | -0.03% | 0.00% | -5 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 |