Chillicothe, TX · Cert 3136
FDIC · 2 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Chillicothe, TX · Cert 3136
FDIC · 2 branches
Q2 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.96% | 1.63% | 1.30% | 1.22% | 1.10% | 0.99% | 1.00% | -30 bps | |
| Return on Equity | 7.55% | 7.88% | 13.56% | 10.63% | 9.91% | 8.84% | 7.91% | 7.87% | -276 bps | |
| Net Interest Margin | 3.31% | 3.29% | 3.28% | 3.28% | 3.32% | 3.28% | 3.20% | 3.30% | +2 bps | |
| Efficiency Ratio | 76.52% | 75.52% | 65.37% | 69.77% | 70.60% | 73.22% | 73.81% | 74.18% | +441 bps | |
| Non-Interest Burden | 2.35% | 2.30% | 1.63% | 1.97% | 2.06% | 2.16% | 2.21% | 2.28% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | 2.27% | 3.85% | 2.24% | 2.65% | -1.33% | -1.33% | -3.34% | -558 bps | |
| Loan Growth (YoY) | -8.41% | -6.22% | -4.20% | -4.69% | -4.63% | -5.44% | -4.37% | 0.56% | +525 bps | |
| Deposit Growth (YoY) | 0.60% | 0.30% | 3.97% | -0.05% | 1.82% | -2.21% | -1.57% | -5.63% | -559 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 | 0.02% | 0.02% | 0.24% | 0.11% | 0.07% | 0.08% | 0.00% | -0.01% | -12 bps | |
| Allowance / Loans | 1.35% | 1.37% | 1.40% | 1.44% | 1.43% | 1.42% | 1.48% | 1.43% | -1 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 | 12.07% | 12.39% | n/a | |
| Total Risk-Based Capital | 25.51% | 24.16% | 25.30% | 25.65% | 26.09% | 25.93% | 27.75% | 27.09% | +144 bps | |
| Equity / Assets | 12.53% | 11.76% | 12.34% | 12.59% | 12.75% | 12.49% | 12.58% | 12.98% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.84% | 45.09% | 42.05% | 43.43% | 44.81% | 43.60% | 40.86% | 46.28% | +285 bps | |
| Liquid Assets / Assets | 4.55% | 3.79% | 3.27% | 3.35% | 2.35% | 2.30% | 2.30% | 2.40% | -95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |