Whitney, TX · Cert 5584
FDIC · 2 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Whitney, TX · Cert 5584
FDIC · 2 branches
Q3 2014
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.80% | 0.36% | 1.26% | 0.81% | 0.60% | 0.45% | 0.33% | 0.27% | -54 bps | |
| Return on Equity | -28.29% | 3.75% | 13.47% | 8.60% | 6.43% | 4.80% | 3.28% | 2.68% | -593 bps | |
| Net Interest Margin | 2.03% | 1.56% | 1.45% | 1.55% | 1.67% | 1.99% | 1.95% | 1.86% | +31 bps | |
| Efficiency Ratio | 256% | 80.43% | 62.31% | 73.61% | 80.27% | 80.50% | 84.17% | 86.61% | +1,300 bps | |
| Non-Interest Burden | 6.33% | 1.10% | 0.35% | 0.79% | 1.08% | 1.43% | 1.51% | 1.50% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.31% | 11.70% | 1.09% | -14.85% | -21.71% | -17.98% | -14.82% | -3.89% | +1,096 bps | |
| Loan Growth (YoY) | -10.31% | -21.51% | -28.44% | -20.50% | -9.27% | 5.48% | 25.82% | 38.64% | +5,914 bps | |
| Deposit Growth (YoY) | 10.69% | 12.48% | 2.53% | -14.48% | -21.52% | -18.00% | -17.10% | -5.12% | +936 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 | 0.05% | 0.00% | 0.00% | 0.08% | 0.38% | 0.39% | 0.21% | 0.16% | +8 bps | |
| Allowance / Loans | 4.48% | 5.09% | 6.40% | 5.99% | 4.56% | 4.36% | 4.59% | 3.90% | -209 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 32.82% | 35.04% | 37.10% | 37.98% | 34.29% | 35.98% | 37.66% | 35.91% | -207 bps | |
| Equity / Assets | 9.48% | 9.95% | 8.57% | 9.90% | 9.01% | 9.93% | 10.97% | 10.98% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 15.01% | 13.98% | 11.37% | 13.71% | 17.36% | 17.99% | 17.25% | 20.03% | +632 bps | |
| Liquid Assets / Assets | 10.31% | 9.21% | 11.78% | 2.70% | 0.15% | 1.29% | 1.24% | 0.44% | -227 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |