Oglesby, TX · Cert 3371
FDIC · 1 branch
Q1 2015
Market Position · Killeen-Temple, TX · 2014 SOD (annual) · 0.3% share · #21 of 22 inst. · $0.0B of $4.1B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.70% | 1.64% | 0.58% | 0.77% | 0.85% | 0.90% | 0.85% | +27 bps | |
| Return on Equity | 18.29% | 17.61% | 16.69% | 5.78% | 7.58% | 8.23% | 8.64% | 7.84% | +206 bps | |
| Net Interest Margin | 5.30% | 5.12% | 5.02% | 4.62% | 4.84% | 5.08% | 4.98% | 5.05% | +43 bps | |
| Efficiency Ratio | 71.18% | 71.47% | 72.58% | 81.68% | 82.51% | 82.74% | 82.69% | 85.92% | +424 bps | |
| Non-Interest Burden | 3.35% | 3.29% | 3.30% | 3.62% | 3.84% | 4.04% | 3.94% | 4.21% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.79% | 6.97% | 2.25% | 5.44% | -0.09% | -7.54% | -4.45% | -7.49% | -1,293 bps | |
| Loan Growth (YoY) | -1.30% | -3.22% | -2.85% | -4.35% | -8.67% | -8.07% | -3.95% | 0.13% | +448 bps | |
| Deposit Growth (YoY) | 4.96% | 6.43% | 1.22% | 4.98% | -0.42% | -8.57% | -4.88% | -7.59% | -1,257 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 | 0.07% | 0.18% | 0.17% | 0.68% | 0.63% | 0.41% | 0.51% | -0.04% | -72 bps | |
| Allowance / Loans | 1.57% | 1.52% | 1.54% | 1.55% | 1.48% | 1.49% | 1.24% | 1.23% | -32 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 | 10.49% | n/a | n/a |
| Total Risk-Based Capital | 15.12% | 15.64% | 16.44% | 15.84% | 16.72% | 17.40% | 17.37% | 16.88% | +104 bps | |
| Equity / Assets | 9.93% | 9.84% | 10.39% | 9.63% | 10.32% | 10.88% | 11.00% | 10.67% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.43% | 88.04% | 88.45% | 85.34% | 85.69% | 88.52% | 89.32% | 92.48% | +714 bps | |
| Liquid Assets / Assets | 10.18% | 14.14% | 15.19% | 19.39% | 18.85% | 16.47% | 14.14% | 12.98% | -641 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |