Schwertner, TX · Cert 5523
FDIC · 2 branches
Q3 2015
Market Position · Austin-Round Rock, TX · 2015 SOD (annual) · 0.1% share · #45 of 69 inst. · $0.0B of $36.7B
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.44% | 0.39% | 0.41% | -1.28% | -173 bps | |
| Return on Equity | 4.06% | 3.88% | 3.14% | 3.34% | -10.78% | -1,483 bps | |
| Net Interest Margin | 2.34% | 2.32% | 2.51% | 2.35% | 2.26% | -8 bps | |
| Efficiency Ratio | 83.92% | 83.12% | 82.80% | 81.11% | 144.08% | +6,016 bps | |
| Non-Interest Burden | 1.80% | 1.78% | 1.91% | 1.73% | 3.41% | +161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.60% | 0.66% | 1.77% | 2.65% | 2.59% | +319 bps | |
| Loan Growth (YoY) | 9.46% | 12.16% | 26.02% | 21.06% | 6.64% | -282 bps | |
| Deposit Growth (YoY) | -1.95% | -1.28% | 0.42% | 2.42% | 4.14% | +609 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.47% | -0.23% | -0.16% | -17 bps | |
| Allowance / Loans | 0.64% | 0.55% | 0.69% | 0.69% | 0.71% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 12.97% | 12.66% | 11.09% | n/a | |
| Total Risk-Based Capital | 29.96% | 30.07% | 33.55% | 32.40% | 28.98% | -98 bps | |
| Equity / Assets | 11.45% | 12.19% | 12.55% | 11.88% | 10.87% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 26.08% | 30.59% | 29.16% | 28.15% | 26.71% | +63 bps | |
| Liquid Assets / Assets | 16.72% | 13.71% | 16.32% | 21.21% | 5.33% | -1,138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |