Amherst, TX · Cert 3074
FDIC · 1 branch
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.40% | -1.88% | -1.62% | -1.07% | -0.98% | +42 bps | |
| Return on Equity | -7.30% | -9.77% | -8.61% | -6.10% | -5.52% | +177 bps | |
| Net Interest Margin | 2.25% | 2.39% | 2.17% | 1.73% | 1.81% | -44 bps | |
| Efficiency Ratio | 79.46% | 92.13% | 103.80% | 180.43% | 175.42% | +9,596 bps | |
| Non-Interest Burden | 1.40% | 2.09% | 2.29% | 3.32% | 3.35% | +194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.80% | -6.56% | -6.12% | -5.49% | 0.24% | +1,004 bps | |
| Loan Growth (YoY) | -22.75% | -13.31% | -17.16% | -20.07% | -12.12% | +1,064 bps | |
| Deposit Growth (YoY) | -10.60% | -5.51% | -4.76% | -3.52% | 2.07% | +1,267 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.48% | 0.28% | 0.11% | 0.00% | 0.00% | -48 bps | |
| Allowance / Loans | 7.23% | 6.37% | 8.22% | 9.94% | 8.39% | +116 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 73.12% | 72.12% | 78.65% | 97.64% | 85.56% | +1,245 bps | |
| Equity / Assets | 19.77% | 19.14% | 17.41% | 17.81% | 18.33% | -145 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 15.16% | 17.28% | 12.57% | 10.66% | 13.05% | -211 bps | |
| Liquid Assets / Assets | 18.17% | 16.15% | 26.55% | 39.30% | 33.03% | +1,485 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |