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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.22% | 1.10% | 0.99% | 1.00% | -30 bps | |
| Return on Equity | 10.63% | 9.91% | 8.84% | 7.91% | 7.87% | -276 bps | |
| Net Interest Margin | 3.28% | 3.32% | 3.28% | 3.20% | 3.30% | +2 bps | |
| Efficiency Ratio | 69.77% | 70.60% | 73.22% | 73.81% | 74.18% | +441 bps | |
| Non-Interest Burden | 1.97% | 2.06% | 2.16% | 2.21% | 2.28% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.24% | 2.65% | -1.33% | -1.33% | -3.34% | -558 bps | |
| Loan Growth (YoY) | -4.69% | -4.63% | -5.44% | -4.37% | 0.56% | +525 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.08% | 0.00% | -0.01% | -12 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 12.07% | 12.39% | n/a | |
| Total Risk-Based Capital | 25.65% | 26.09% | 25.93% | 27.75% | 27.09% | +144 bps | |
| Equity / Assets | 12.59% | 12.75% | 12.49% | 12.58% | 12.98% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.43% | 44.81% | 43.60% | 40.86% | 46.28% | +285 bps | |
| Liquid Assets / Assets | 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 |