Emory, TX · Cert 3188
FDIC · 2 branches
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.00% | 0.65% | 0.94% | 4.55%1 | +354 bps | |
| Return on Equity | 8.28% | 8.07% | 5.15% | 7.45% | 34.74% | +2,646 bps | |
| Net Interest Margin | 2.65% | 2.56% | 2.51% | 2.75% | 2.52% | -13 bps | |
| Efficiency Ratio | 68.57% | 69.40% | 78.98% | 71.43% | 130.36% | +6,178 bps | |
| Non-Interest Burden | 1.59% | 1.55% | 1.83% | 1.78% | 3.50% | +191 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.24% | 0.85% | -2.35% | -3.71% | -8.01% | -777 bps | |
| Loan Growth (YoY) | -1.69% | 0.96% | 2.97% | 6.30% | 18.56% | +2,025 bps | |
| Deposit Growth (YoY) | 0.63% | 2.39% | 0.21% | -1.42% | -4.13% | -476 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.12% | 0.22% | 0.04% | -1 bps | |
| Allowance / Loans | 2.32% | 2.32% | 2.24% | 2.08% | 1.90% | -42 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.42% | 11.64% | 11.18% | 11.69% | 12.99% | +157 bps | |
| Total Risk-Based Capital | 34.13% | 35.72% | 34.18% | 33.47% | 43.02% | +889 bps | |
| Equity / Assets | 12.17% | 12.67% | 12.42% | 12.78% | 13.44% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.24% | 36.93% | 37.61% | 39.89% | 46.06% | +881 bps | |
| Liquid Assets / Assets | 18.02% | 19.50% | 19.62% | 19.08% | 37.77% | +1,975 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |