Lake Worth, TX · Cert 34591
FDIC · 3 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Lake Worth, TX · Cert 34591
FDIC · 3 branches
Q1 2016
Market Position · Dallas-Fort Worth-Arlington, TX · 2015 SOD (annual) · 0.1% share · #87 of 160 inst. · $0.1B of $230.0B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.79% | 0.82% | 1.01% | 0.88% | 0.90% | 0.30% | 1.34% | +34 bps | |
| Return on Equity | 8.44% | 8.41% | 8.56% | 9.79% | 8.45% | 8.49% | 2.96% | 14.96% | +517 bps | |
| Net Interest Margin | 3.67% | 3.67% | 3.76% | 3.79% | 3.83% | 3.89% | 3.94% | 3.96% | +17 bps | |
| Efficiency Ratio | 73.21% | 72.78% | 72.01% | 71.92% | 73.47% | 72.66% | 93.44% | 58.27% | -1,365 bps | |
| Non-Interest Burden | 2.61% | 2.59% | 2.63% | 2.63% | 2.73% | 2.74% | 3.66% | 2.16% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | 2.98% | -0.10% | -2.60% | -2.51% | -1.60% | -4.38% | -1.35% | +126 bps | |
| Loan Growth (YoY) | 7.16% | 3.09% | 6.87% | 6.43% | 7.44% | 12.21% | 8.35% | 7.78% | +135 bps | |
| Deposit Growth (YoY) | -1.12% | 2.01% | -1.43% | -4.29% | -3.88% | -2.94% | -5.55% | 0.35% | +464 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% | 0.01% | 0.00% | 0.04% | 0.01% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.08% | 1.07% | 1.03% | 1.04% | 1.04% | 1.04% | -3 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 | 10.60% | 10.84% | 11.09% | 8.79% | 9.07% | -153 bps | |
| Total Risk-Based Capital | 19.69% | 21.04% | 20.41% | 20.78% | 19.39% | 20.23% | 16.35% | 16.58% | -420 bps | |
| Equity / Assets | 9.77% | 10.03% | 10.05% | 10.50% | 10.83% | 11.05% | 8.83% | 9.11% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.47% | 58.44% | 59.39% | 61.14% | 65.35% | 67.57% | 68.12% | 65.67% | +453 bps | |
| Liquid Assets / Assets | 3.26% | 13.01% | 11.85% | 10.96% | 5.92% | 5.49% | 6.17% | 10.73% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |