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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.45% | 0.68% | 0.24% | 0.40% | 0.39% | 0.43% | -4.55% | -479 bps | |
| Return on Equity | 4.85% | 4.14% | 5.92% | 2.11% | 3.40% | 3.14% | 3.53% | -39.98% | -4,209 bps | |
| Net Interest Margin | 2.56% | 2.52% | 2.41% | 2.27% | 2.48% | 2.51% | 2.27% | 2.23% | -4 bps | |
| Efficiency Ratio | 95.06% | 83.14% | 80.90% | 88.13% | 80.66% | 82.80% | 79.32% | 405% | +31,684 bps | |
| Non-Interest Burden | 2.39% | 1.92% | 1.73% | 1.90% | 1.88% | 1.91% | 1.61% | 6.89% | +499 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | 0.38% | -0.29% | -0.60% | 0.66% | 1.77% | 2.65% | 2.59% | +319 bps | |
| Loan Growth (YoY) | -11.51% | -6.85% | -20.07% | 9.46% | 12.16% | 26.02% | 21.06% | 6.64% | -282 bps | |
| Deposit Growth (YoY) | 1.42% | 1.52% | -1.48% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | -0.47% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 0.63% | 0.75% | 0.71% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 12.97% | 12.66% | 11.09% | n/a | |
| Total Risk-Based Capital | 27.03% | 31.29% | 31.72% | 29.96% | 30.07% | 33.55% | 32.40% | 28.98% | -98 bps | |
| Equity / Assets | 10.56% | 11.30% | 11.68% | 11.45% | 12.19% | 12.55% | 11.88% | 10.87% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.93% | 23.24% | 23.82% | 26.08% | 30.59% | 29.16% | 28.15% | 26.71% | +63 bps | |
| Liquid Assets / Assets | 11.60% | 15.25% | 17.46% | 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 | n/a | n/a | n/a |