Waco, TX · Cert 34669
FDIC · 5 branches
Q1 2017
Market Position · Dallas-Fort Worth-Arlington, TX · 2016 SOD (annual) · 0.0% share · #102 of 159 inst. · $0.1B of $247.2B
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 | 0.14% | 0.15% | 0.19% | -0.07% | 0.10% | -3 bps | |
| Return on Equity | 1.04% | 1.18% | 1.50% | -0.55% | 0.89% | -15 bps | |
| Net Interest Margin | 3.76% | 3.65% | 3.64% | 3.59% | 3.86% | +11 bps | |
| Efficiency Ratio | 91.76% | 91.15% | 90.00% | 93.61% | 91.70% | -6 bps | |
| Non-Interest Burden | 3.25% | 3.14% | 3.09% | 3.24% | 3.42% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.45% | 9.12% | 13.77% | 12.00% | 12.75% | +30 bps | |
| Loan Growth (YoY) | 32.77% | 18.68% | 17.43% | 18.44% | 16.92% | -1,585 bps | |
| Deposit Growth (YoY) | 17.64% | 16.00% | 17.48% | 11.55% | 6.66% | -1,098 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.68% | +168 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.04% | 0.03% | 0.08% | -0.02% | -11 bps | |
| Allowance / Loans | 0.79% | 0.82% | 0.84% | 0.80% | 0.83% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.5x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.96% | 9.57% | 9.46% | 9.08% | 9.01% | -94 bps | |
| Total Risk-Based Capital | 13.85% | 13.31% | 13.41% | 12.11% | 12.56% | -129 bps | |
| Equity / Assets | 13.07% | 12.84% | 12.03% | 11.67% | 11.49% | -158 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.24% | 90.92% | 86.56% | 93.05% | 97.82% | +858 bps | |
| Liquid Assets / Assets | 2.56% | 1.75% | 6.08% | 3.76% | 3.11% | +55 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |