Hamlin, TX · Cert 3244
FDIC · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Hamlin, TX · Cert 3244
FDIC · 2 branches
Q1 2017
Market Position · Abilene, TX · 2016 SOD (annual) · 1.6% share · #9 of 18 inst. · $0.0B of $2.7B
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.72% | 0.45%1 | 0.53%1 | 0.64% | -103 bps | |
| Return on Equity | 9.57% | 9.78% | 2.58% | 3.02% | 3.73% | -584 bps | |
| Net Interest Margin | 3.02% | 3.03% | 2.94% | 2.96% | 2.73% | -28 bps | |
| Efficiency Ratio | 76.22% | 76.08% | 82.55% | 81.49% | 82.82% | +660 bps | |
| Non-Interest Burden | 2.17% | 2.12% | 2.30% | 2.25% | 2.17% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.35% | -7.41% | -7.05% | -7.92% | -2.25% | +810 bps | |
| Loan Growth (YoY) | 0.22% | 2.12% | -0.08% | 2.60% | 1.88% | +166 bps | |
| Deposit Growth (YoY) | -11.41% | -8.59% | -7.30% | -7.96% | -0.89% | +1,052 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.50% | +350 bps | |
| Net Charge-Offs / Loans | -0.12% | 0.14% | 0.16% | 2.11% | 0.53% | +65 bps | |
| Allowance / Loans | 1.16% | 1.06% | 2.89% | 0.81% | 0.70% | -46 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.2x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.74% | 18.30% | 16.69% | 17.40% | 17.04% | -70 bps | |
| Total Risk-Based Capital | 33.48% | 33.51% | 32.50% | 32.41% | 32.12% | -136 bps | |
| Equity / Assets | 17.76% | 18.10% | 17.55% | 17.50% | 16.70% | -106 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.48% | 47.39% | 48.10% | 51.74% | 47.78% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |