PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Emory, The

Emory, TX · Cert 3188

FDIC · 2 branches

Q2 2016

$103.3MAssets
$40.6MLoans
$88.2MDeposits
$13.9MEquity
Loan mix
74%RE $25.2M15%C&I $5.2M11%Consumer $3.7MQ3 2014Q2 2016
Deposit mix
60%Interest-bearing $53.0M40%Noninterest $35.2MQ3 2014Q2 2016

Executive Summary

  • Earnings: ROA of 4.55%, up 354 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 12.99%, up 157 bps from a year ago.
  • Funding: loans stand at 46.06% of deposits as of Q2 2016.

Return on Assets (quarter, annualized)

4.55%1+354 bps YoY

Net Interest Margin (quarter, annualized)

2.52%-13 bps YoY

Efficiency Ratio (quarter, annualized)

130.36%+6,178 bps YoY

Tier 1 Leverage Ratio

12.99%+157 bps YoY

NIM

3.08%Q2 ’143.02%Q2 ’152.76%Q2 ’16-2%-5%

Non-interest income vs. expense

2.54%Q2 ’142.32%Q2 ’154.21%Q2 ’16-11%+120%

Discrete quarter, annualized.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.95%1.02%0.90%1.01%1.00%0.65%0.94%4.55%1+354 bps
Return on Equity7.54%8.22%7.45%8.28%8.07%5.15%7.45%34.74%+2,646 bps
Net Interest Margin2.66%2.61%2.61%2.65%2.56%2.51%2.75%2.52%-13 bps
Efficiency Ratio70.92%68.84%72.08%68.57%69.40%78.98%71.43%130.36%+6,178 bps
Non-Interest Burden1.67%1.57%1.70%1.59%1.55%1.83%1.78%3.50%+191 bps
Growth
Asset Growth (YoY)5.17%5.04%3.33%-0.24%0.85%-2.35%-3.71%-8.01%-777 bps
Loan Growth (YoY)-3.94%-3.80%-2.73%-1.69%0.96%2.97%6.30%18.56%+2,025 bps
Deposit Growth (YoY)6.53%6.31%3.94%0.63%2.39%0.21%-1.42%-4.13%-476 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.38%0.75%0.02%0.05%0.05%0.12%0.22%0.04%-1 bps
Allowance / Loans2.53%2.33%2.28%2.32%2.32%2.24%2.08%1.90%-42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.90%11.42%11.64%11.18%11.69%12.99%+157 bps
Total Risk-Based Capital35.73%33.88%33.97%34.13%35.72%34.18%33.47%43.02%+889 bps
Equity / Assets12.80%11.92%12.15%12.17%12.67%12.42%12.78%13.44%+127 bps
Liquidity & Funding
Loans / Deposits37.45%36.60%37.00%37.24%36.93%37.61%39.89%46.06%+881 bps
Liquid Assets / Assets16.61%19.79%20.11%18.02%19.50%19.62%19.08%37.77%+1,975 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a