El Paso, TX · Cert 35322
FDIC · 4 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.
El Paso, TX · Cert 35322
FDIC · 4 branches
Q1 2017
Market Position · El Paso, TX · 2016 SOD (annual) · 2.7% share · #8 of 17 inst. · $0.3B of $10.3B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.28% | 0.29% | 0.26% | 0.34% | 0.40% | 0.39% | 0.96% | +70 bps | |
| Return on Equity | 1.85% | 2.64% | 2.89% | 2.81% | 3.63% | 4.23% | 4.11% | 9.64% | +683 bps | |
| Net Interest Margin | 3.32% | 3.14% | 3.07% | 3.34% | 3.35% | 3.29% | 3.26% | 3.47% | +13 bps | |
| Efficiency Ratio | 82.90% | 83.99% | 84.94% | 85.83% | 84.95% | 84.92% | 85.98% | 73.02% | -1,281 bps | |
| Non-Interest Burden | 2.74% | 2.63% | 2.60% | 2.87% | 2.83% | 2.78% | 2.79% | 2.49% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.09% | 34.33% | 27.08% | 19.32% | 7.34% | 5.17% | -4.65% | 2.24% | -1,709 bps | |
| Loan Growth (YoY) | 36.04% | 27.19% | 27.20% | 13.65% | 5.21% | 6.83% | 9.89% | 5.36% | -830 bps | |
| Deposit Growth (YoY) | 24.28% | 41.70% | 25.08% | 19.71% | 3.42% | -2.47% | -15.68% | -1.14% | -2,085 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | +17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.03% | -0.01% | -0.01% | -0.01% | 0.03% | +5 bps | |
| Allowance / Loans | 0.95% | 0.98% | 0.98% | 1.03% | 1.05% | 1.05% | 1.01% | 1.02% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 9.75% | 9.51% | 9.49% | 9.60% | 9.50% | 9.48% | 9.98% | +49 bps | |
| Total Risk-Based Capital | 12.93% | 13.02% | 13.23% | 13.14% | 12.88% | 12.79% | 12.28% | 12.36% | -79 bps | |
| Equity / Assets | 9.91% | 9.70% | 9.09% | 9.63% | 9.58% | 9.60% | 9.93% | 9.99% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.13% | 87.82% | 84.22% | 93.56% | 97.79% | 96.20% | 109.77% | 99.70% | +614 bps | |
| Liquid Assets / Assets | 20.19% | 23.86% | 28.17% | 22.77% | 22.54% | 23.01% | 16.54% | 19.22% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |