North Richland Hills, TX · Cert 26457
FDIC · 5 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
North Richland Hills, TX · Cert 26457
FDIC · 5 branches
Q3 2017
Market Position · Dallas-Fort Worth-Arlington, TX · 2017 SOD (annual) · 0.1% share · #50 of 160 inst. · $0.4B of $264.8B
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.71% | 0.69% | 0.72% | 0.77% | 0.88% | 0.88% | 0.90% | +18 bps | |
| Return on Equity | 6.11% | 6.15% | 5.96% | 6.22% | 6.66% | 7.44% | 7.52% | 7.62% | +141 bps | |
| Net Interest Margin | 3.71% | 3.66% | 3.59% | 3.58% | 3.65% | 3.76% | 3.74% | 3.76% | +18 bps | |
| Efficiency Ratio | 68.83% | 67.34% | 67.65% | 67.85% | 67.12% | 64.75% | 63.77% | 62.59% | -526 bps | |
| Non-Interest Burden | 2.52% | 2.43% | 2.40% | 2.37% | 2.36% | 2.25% | 2.25% | 2.21% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 7.12% | 13.78% | 11.32% | 2.05% | 1.38% | 3.77% | 1.42% | -990 bps | |
| Loan Growth (YoY) | 6.01% | 9.77% | 6.88% | 6.51% | 7.60% | 5.49% | 3.96% | 1.78% | -473 bps | |
| Deposit Growth (YoY) | 12.03% | 7.45% | 14.84% | 12.09% | 1.97% | 1.15% | -0.06% | 1.03% | -1,106 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | 0.17% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.12% | -0.09% | -0.06% | -0.04% | 0.00% | 0.00% | 0.06% | +12 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.29% | 1.29% | 1.27% | 1.27% | 1.31% | 1.33% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 7.2x | 7.5x | 16.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.25% | 9.21% | 9.28% | 9.60% | 9.93% | 9.94% | 10.03% | +76 bps | |
| Total Risk-Based Capital | 12.90% | 12.64% | 12.89% | 13.19% | 13.48% | 13.81% | 13.91% | 14.32% | +113 bps | |
| Equity / Assets | 11.68% | 11.49% | 11.43% | 11.61% | 11.81% | 11.75% | 11.49% | 11.95% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.76% | 82.70% | 81.44% | 82.64% | 86.27% | 86.25% | 84.72% | 83.26% | +61 bps | |
| Liquid Assets / Assets | 9.77% | 7.96% | 9.52% | 6.59% | 3.19% | 3.68% | 3.96% | 7.97% | +138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |