Chillicothe, TX · Cert 3136
FDIC · 2 branches
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.08% | 1.63% | 0.96% | 1.07% | 0.71% | 0.99% | 1.00% | +4 bps | |
| Return on Equity | 12.01% | 8.86% | 13.56% | 7.67% | 8.47% | 5.65% | 7.91% | 7.79% | +12 bps | |
| Net Interest Margin | 3.36% | 3.38% | 3.28% | 3.26% | 3.25% | 3.25% | 3.20% | 3.33% | +7 bps | |
| Efficiency Ratio | 67.71% | 72.54% | 65.37% | 75.16% | 72.48% | 81.67% | 73.81% | 74.53% | -63 bps | |
| Non-Interest Burden | 1.86% | 2.25% | 1.63% | 2.29% | 2.16% | 2.53% | 2.21% | 2.31% | +2 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 | 0.04% | 0.02% | 0.24% | -0.02% | 0.00% | 0.09% | 0.00% | -0.02% | 0 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 |