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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.43% | 0.58% | 0.40% | 0.14% | -25 bps | |
| Return on Equity | 3.61% | 3.91% | 4.89% | 3.31% | 1.12% | -249 bps | |
| Net Interest Margin | 3.94% | 3.95% | 4.05% | 4.01% | 1.03% | -290 bps | |
| Efficiency Ratio | 86.79% | 85.70% | 80.90% | 84.33% | 99.10% | +1,231 bps | |
| Non-Interest Burden | 3.32% | 3.27% | 3.15% | 3.30% | 1.00% | -232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.37% | -8.65% | -9.69% | -2.07% | 1.56% | +1,093 bps | |
| Loan Growth (YoY) | 1.58% | 4.62% | 0.23% | 4.95% | 0.84% | -74 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.09% | -0.02% | -0.02% | 0.00% | -9 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.45% | 11.61% | 12.16% | 12.06% | 12.82% | +137 bps | |
| Total Risk-Based Capital | 20.41% | 20.45% | 20.58% | 19.89% | 20.13% | -28 bps | |
| Equity / Assets | 11.51% | 11.69% | 12.09% | 12.06% | 14.62% | +311 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.41% | 72.93% | 73.80% | 75.78% | 75.19% | +277 bps | |
| Liquid Assets / Assets | 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 |