Kilgore, TX · Cert 35548
FDIC · 3 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Kilgore, TX · Cert 35548
FDIC · 3 branches
Q3 2016
Market Position · Longview, TX · 2016 SOD (annual) · 1.2% share · #18 of 28 inst. · $0.1B of $4.7B
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.34% | 0.33% | 0.39% | 0.43% | 0.58% | 0.40% | 0.14% | -25 bps | |
| Return on Equity | 4.47% | 3.27% | 3.05% | 3.61% | 3.91% | 4.89% | 3.31% | 1.12% | -249 bps | |
| Net Interest Margin | 3.68% | 3.52% | 3.66% | 3.94% | 3.95% | 4.05% | 4.01% | 1.03% | -290 bps | |
| Efficiency Ratio | 83.77% | 87.88% | 88.66% | 86.79% | 85.70% | 80.90% | 84.33% | 99.10% | +1,231 bps | |
| Non-Interest Burden | 2.98% | 3.01% | 3.17% | 3.32% | 3.27% | 3.15% | 3.30% | 1.00% | -232 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | 2.38% | -9.27% | -9.37% | -8.65% | -9.69% | -2.07% | 1.56% | +1,093 bps | |
| Loan Growth (YoY) | -0.97% | -2.02% | -1.56% | 1.58% | 4.62% | 0.23% | 4.95% | 0.84% | -74 bps | |
| Deposit Growth (YoY) | 3.52% | 2.05% | -10.86% | -11.13% | -10.14% | -11.57% | -3.52% | -2.88% | +826 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 | 0.10% | 0.01% | 0.08% | 0.09% | 0.09% | -0.02% | -0.02% | 0.00% | -9 bps | |
| Allowance / Loans | 1.95% | 1.90% | 1.89% | 1.80% | 1.77% | 1.81% | 1.76% | 0.00% | -180 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 | 10.42% | 10.77% | 11.45% | 11.61% | 12.16% | 12.06% | 12.82% | +137 bps | |
| Total Risk-Based Capital | 18.68% | 20.46% | 20.80% | 20.41% | 20.45% | 20.58% | 19.89% | 20.13% | -28 bps | |
| Equity / Assets | 10.26% | 10.45% | 11.32% | 11.51% | 11.69% | 12.09% | 12.06% | 14.62% | +311 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.64% | 65.11% | 69.67% | 72.41% | 72.93% | 73.80% | 75.78% | 75.19% | +277 bps | |
| Liquid Assets / Assets | 31.54% | 31.13% | 24.04% | 23.21% | 22.33% | 23.26% | 22.12% | 20.09% | -313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |