Blanco, TX · Cert 3105
FDIC · 4 branches
Q4 2016
Market Position · San Antonio-New Braunfels, TX · 2016 SOD (annual) · 0.0% share · #49 of 61 inst. · $0.0B of $102.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 0.67% | 1.78% | 1.06% | 0.76% | -48 bps | |
| Return on Equity | 12.93% | 6.83% | 17.71% | 10.34% | 7.76% | -517 bps | |
| Net Interest Margin | 3.91% | 3.88% | 3.95% | 3.91% | 3.71% | -21 bps | |
| Efficiency Ratio | 71.88% | 83.03% | 59.18% | 79.86% | 82.06% | +1,018 bps | |
| Non-Interest Burden | 2.67% | 3.14% | 2.12% | 3.02% | 2.95% | +28 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.55% | 5.52% | 6.59% | 2.44% | 0.40% | -915 bps | |
| Loan Growth (YoY) | -7.85% | -1.51% | 4.05% | 1.72% | -1.54% | +631 bps | |
| Deposit Growth (YoY) | 10.17% | 5.42% | 5.87% | 1.59% | 0.88% | -929 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.20% | 0.07% | 0.14% | 0.25% | +21 bps | |
| Allowance / Loans | 1.34% | 1.29% | 1.30% | 1.31% | 1.34% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.53% | 9.48% | 9.74% | 9.75% | 9.94% | +41 bps | |
| Total Risk-Based Capital | 18.35% | 17.62% | 17.92% | 18.71% | 19.67% | +132 bps | |
| Equity / Assets | 9.67% | 9.92% | 10.19% | 10.36% | 9.29% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.06% | 58.54% | 61.28% | 60.35% | 54.72% | -135 bps | |
| Liquid Assets / Assets | 0.61% | 0.62% | 0.61% | 0.62% | 0.70% | +9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |