Fabens, TX · Cert 3191
FDIC · 7 branches
Q2 2016
Market Position · El Paso, TX · 2016 SOD (annual) · 2.7% share · #7 of 17 inst. · $0.3B of $10.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.70% | 2.88% | 3.23% | 2.32% | 2.49% | 2.38% | 2.34% | 2.12% | -19 bps | |
| Return on Equity | 25.24% | 26.60% | 29.85% | 21.67% | 23.09% | 21.38% | 20.86% | 18.98% | -270 bps | |
| Net Interest Margin | 4.00% | 4.10% | 4.24% | 3.78% | 3.58% | 3.70% | 3.55% | 3.54% | -23 bps | |
| Efficiency Ratio | 50.47% | 50.58% | 44.55% | 55.17% | 50.43% | 54.41% | 52.69% | 52.35% | -282 bps | |
| Non-Interest Burden | 1.20% | 1.33% | 0.92% | 1.44% | 1.13% | 1.32% | 1.21% | 1.41% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 1.43% | 3.66% | 6.98% | 6.32% | 2.32% | 2.31% | -0.70% | -768 bps | |
| Loan Growth (YoY) | 7.61% | 10.17% | 7.78% | 2.29% | -6.28% | -13.13% | -19.73% | -14.31% | -1,660 bps | |
| Deposit Growth (YoY) | -2.84% | -2.83% | -1.15% | 2.93% | 6.31% | 1.50% | 2.72% | -0.89% | -382 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 | 0.01% | 0.44% | -0.09% | -0.25% | 0.05% | 0.00% | 0.00% | 0.00% | +25 bps | |
| Allowance / Loans | 1.17% | 1.01% | 1.07% | 1.19% | 1.26% | 1.33% | 1.42% | 1.38% | +19 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 | 10.77% | 10.61% | 10.69% | 11.19% | 11.29% | 11.27% | +66 bps | |
| Total Risk-Based Capital | 17.35% | 17.31% | 17.74% | 18.68% | 19.94% | 21.69% | 22.38% | 22.06% | +338 bps | |
| Equity / Assets | 10.85% | 10.83% | 10.78% | 10.61% | 10.93% | 11.34% | 11.13% | 11.25% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.80% | 80.10% | 79.19% | 74.02% | 70.34% | 68.56% | 61.88% | 64.00% | -1,002 bps | |
| Liquid Assets / Assets | 26.76% | 26.49% | 28.69% | 32.82% | 35.20% | 33.25% | 41.44% | 39.45% | +663 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |