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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.29% | -0.52% | -1.08% | -1.86% | -251 bps | |
| Return on Equity | 8.97% | 3.96% | -6.85% | -14.22% | -25.18% | -3,415 bps | |
| Net Interest Margin | 3.23% | 3.21% | 2.65% | 3.01% | 2.82% | -41 bps | |
| Efficiency Ratio | 122.96% | 123.46% | 114.80% | 135.96% | 177.20% | +5,424 bps | |
| Non-Interest Burden | 4.09% | 4.08% | 3.17% | 4.11% | 4.70% | +61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.88% | -8.96% | -10.18% | -9.69% | -0.60% | +1,528 bps | |
| Loan Growth (YoY) | -30.56% | -29.02% | -30.92% | -31.03% | -29.50% | +106 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.32% | 1.77% | -1.03% | 0.19% | 0.00% | -232 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.63% | 17.84% | 19.98% | 20.87% | 20.16% | +253 bps | |
| Equity / Assets | 8.27% | 7.59% | 7.62% | 7.59% | 6.67% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.94% | 59.71% | 53.23% | 50.71% | 45.98% | -1,996 bps | |
| Liquid Assets / Assets | 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 |