Snyder, TX · Cert 30951
FDIC · 1 branch
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.
Snyder, TX · Cert 30951
FDIC · 1 branch
Q3 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.74% | 1.17% | 0.66% | 0.29% | -0.52% | -1.08% | -1.86% | -251 bps | |
| Return on Equity | 4.36% | 11.01% | 16.66% | 8.97% | 3.96% | -6.85% | -14.22% | -25.18% | -3,415 bps | |
| Net Interest Margin | 3.48% | 3.07% | 3.06% | 3.23% | 3.21% | 2.65% | 3.01% | 2.82% | -41 bps | |
| Efficiency Ratio | 91.09% | 120.31% | 128.22% | 122.96% | 123.46% | 114.80% | 135.96% | 177.20% | +5,424 bps | |
| Non-Interest Burden | 3.04% | 3.78% | 4.06% | 4.09% | 4.08% | 3.17% | 4.11% | 4.70% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.86% | -15.52% | -16.70% | -15.88% | -8.96% | -10.18% | -9.69% | -0.60% | +1,528 bps | |
| Loan Growth (YoY) | -26.04% | -29.55% | -29.89% | -30.56% | -29.02% | -30.92% | -31.03% | -29.50% | +106 bps | |
| Deposit Growth (YoY) | -27.43% | -16.50% | -19.18% | -18.40% | -9.84% | -10.92% | -9.60% | 1.10% | +1,950 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 | 0.58% | 0.70% | 0.20% | 2.32% | 1.77% | -1.03% | 0.19% | 0.00% | -232 bps | |
| Allowance / Loans | 7.32% | 7.42% | 7.08% | 6.22% | 6.45% | 7.66% | 8.08% | 8.86% | +265 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 | 12.82% | 14.14% | 16.11% | 17.63% | 17.84% | 19.98% | 20.87% | 20.16% | +253 bps | |
| Equity / Assets | 6.63% | 6.87% | 7.69% | 8.27% | 7.59% | 7.62% | 7.59% | 6.67% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.84% | 68.64% | 66.47% | 65.94% | 59.71% | 53.23% | 50.71% | 45.98% | -1,996 bps | |
| Liquid Assets / Assets | 29.49% | 36.07% | 37.76% | 37.53% | 42.97% | 47.82% | 50.74% | 55.35% | +1,782 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |