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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38%1 | 0.04% | 1.01%1 | 0.05% | -0.12% | 0.13% | -0.02% | -0.05% | -10 bps | |
| Return on Equity | 3.23% | 0.40% | 9.87% | 0.49% | -1.25% | 1.37% | -0.23% | -0.44% | -93 bps | |
| Net Interest Margin | 2.40% | 2.01% | 1.89% | 1.95% | 1.93% | 2.00% | 2.06% | 1.97% | +2 bps | |
| Efficiency Ratio | 96.79% | 97.30% | 79.82% | 95.15% | 103.76% | 96.31% | 97.25% | 106.90% | +1,175 bps | |
| Non-Interest Burden | 2.31% | 1.94% | 1.39% | 1.83% | 2.03% | 1.90% | 1.98% | 2.14% | +31 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 | 0.07% | 0.00% | 0.23% | 0.00% | -0.15% | 0.08% | 0.00% | 0.00% | 0 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 |