Memphis, TX · Cert 26614
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Memphis, TX · Cert 26614
FDIC · 3 branches
Q3 2014
Market Position · Amarillo, TX · 2014 SOD (annual) · 0.2% share · #15 of 17 inst. · $0.0B of $6.1B
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03%1 | 0.04% | 0.53%1 | 0.37%1 | 0.25%1 | 0.13% | 0.05% | 0.02% | -35 bps | |
| Return on Equity | 9.02% | 0.40% | 4.97% | 3.55% | 2.47% | 1.37% | 0.54% | 0.20% | -336 bps | |
| Net Interest Margin | 2.58% | 2.01% | 1.96% | 2.02% | 2.03% | 2.00% | 2.04% | 2.05% | +4 bps | |
| Efficiency Ratio | 84.15% | 97.30% | 88.64% | 90.71% | 93.95% | 96.31% | 96.78% | 100.00% | +929 bps | |
| Non-Interest Burden | 2.09% | 1.94% | 1.68% | 1.78% | 1.87% | 1.90% | 1.95% | 2.05% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | -1.16% | -3.10% | -3.40% | -4.91% | -2.67% | -4.78% | -5.07% | -167 bps | |
| Loan Growth (YoY) | -8.90% | -9.49% | -7.59% | -14.27% | -3.58% | -15.58% | -1.71% | 17.10% | +3,137 bps | |
| Deposit Growth (YoY) | 2.67% | -8.22% | -4.90% | -9.96% | -2.53% | 6.51% | -1.99% | 4.70% | +1,466 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 | 0.02% | 0.00% | 0.11% | 0.08% | 0.02% | 0.08% | 0.04% | 0.02% | -5 bps | |
| Allowance / Loans | 1.45% | 1.42% | 1.43% | 1.44% | 1.50% | 1.66% | 1.51% | 1.28% | -16 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 29.47% | 28.63% | 26.49% | 27.23% | 27.40% | 29.59% | 30.70% | 28.48% | +126 bps | |
| Equity / Assets | 11.35% | 11.03% | 9.36% | 9.96% | 9.13% | 9.53% | 11.03% | 11.36% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.41% | 18.92% | 17.78% | 20.35% | 17.23% | 14.99% | 17.83% | 22.76% | +241 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |