Dawson, TX · Cert 3167
FDIC · 2 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, 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.
Dawson, TX · Cert 3167
FDIC · 2 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.15% | 0.15%1 | 0.10%1 | 0.12% | -0.25% | 0.12% | 0.18% | +8 bps | |
| Return on Equity | 2.42% | 2.85% | 2.45% | 1.57% | 1.96% | -3.94% | 1.95% | 2.68% | +111 bps | |
| Net Interest Margin | 2.83% | 2.81% | 2.72% | 2.72% | 2.71% | 2.70% | 2.72% | 2.73% | +1 bps | |
| Efficiency Ratio | 93.01% | 92.90% | 98.31% | 98.48% | 97.12% | 109.80% | 95.88% | 94.05% | -444 bps | |
| Non-Interest Burden | 2.61% | 2.58% | 2.67% | 2.68% | 2.62% | 2.97% | 2.60% | 2.55% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.29% | 4.84% | -2.14% | -0.53% | -2.18% | 1.39% | -1.38% | -2.49% | -196 bps | |
| Loan Growth (YoY) | -10.12% | -8.59% | -7.05% | -6.74% | -4.10% | -6.76% | -2.20% | -5.51% | +123 bps | |
| Deposit Growth (YoY) | 5.44% | 3.17% | -3.69% | -1.05% | -3.04% | 1.47% | -1.54% | -3.51% | -246 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 | 0.15% | 0.11% | 0.09% | 0.33% | 0.23% | 0.17% | 0.21% | 0.48% | +15 bps | |
| Allowance / Loans | 1.15% | 1.14% | 1.18% | 1.05% | 1.08% | 1.10% | 1.01% | 0.87% | -18 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 | 6.53% | 6.61% | 6.65% | 6.28% | 6.40% | 6.61% | 0 bps | |
| Total Risk-Based Capital | 15.72% | 15.92% | 16.19% | 16.26% | 16.65% | 15.96% | 15.82% | 16.28% | +2 bps | |
| Equity / Assets | 5.63% | 6.15% | 6.40% | 6.08% | 6.46% | 6.06% | 6.56% | 7.08% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.82% | 37.55% | 36.81% | 36.52% | 35.43% | 34.50% | 36.56% | 35.76% | -76 bps | |
| Liquid Assets / Assets | 1.14% | 1.18% | 1.17% | 1.18% | 1.17% | 1.17% | 1.19% | 1.21% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |