Iowa Park, TX · Cert 3270
FDIC · 9 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Iowa Park, TX · Cert 3270
FDIC · 9 branches
Q4 2014
Market Position · Wichita Falls, TX · 2014 SOD (annual) · 8.2% share · #7 of 15 inst. · $0.2B of $2.5B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.79% | 0.72% | 0.84% | 0.62% | 0.61% | 0.68% | 0.82%1 | -3 bps | |
| Return on Equity | 8.57% | 8.37% | 7.68% | 8.96% | 6.63% | 6.64% | 7.38% | 8.90% | -6 bps | |
| Net Interest Margin | 3.09% | 3.09% | 3.04% | 2.95% | 2.89% | 2.82% | 2.81% | 2.78% | -18 bps | |
| Efficiency Ratio | 76.78% | 77.44% | 79.45% | 78.28% | 82.80% | 82.80% | 80.71% | 94.46% | +1,618 bps | |
| Non-Interest Burden | 2.22% | 2.24% | 2.27% | 2.16% | 2.28% | 2.22% | 2.14% | 2.59% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | 2.16% | 4.72% | 1.47% | 7.27% | 11.70% | 4.77% | 5.86% | +440 bps | |
| Loan Growth (YoY) | -4.09% | -6.08% | -11.09% | -10.43% | -8.89% | -5.48% | -1.10% | -4.25% | +619 bps | |
| Deposit Growth (YoY) | 4.31% | 2.55% | 5.63% | 1.53% | 7.80% | 12.53% | 4.80% | 5.85% | +432 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 | 0.09% | 0.10% | 0.08% | 0.07% | 0.04% | 0.05% | 0.06% | 0.11% | +4 bps | |
| Allowance / Loans | 1.47% | 1.55% | 1.62% | 1.40% | 1.43% | 1.44% | 1.40% | 1.35% | -5 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 18.83% | 19.32% | 19.92% | 19.27% | 19.38% | 19.35% | 19.83% | 25.30% | +603 bps | |
| Equity / Assets | 9.59% | 9.42% | 9.31% | 9.36% | 9.20% | 8.85% | 9.42% | 9.03% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.21% | 47.38% | 44.62% | 44.81% | 41.59% | 39.80% | 42.11% | 40.53% | -427 bps | |
| Liquid Assets / Assets | 15.12% | 13.63% | 13.10% | 10.26% | 9.83% | 10.52% | 9.26% | 39.20% | +2,895 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |