Whitney, TX · Cert 5584
FDIC · 2 branches
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 20.23% | 0.36% | 2.20% | -0.18% | -0.12% | 0.45% | 0.20% | 0.17% | +35 bps | |
| Return on Equity | 207% | 3.75% | 23.68% | -1.96% | -1.24% | 4.80% | 1.91% | 1.52% | +348 bps | |
| Net Interest Margin | 1.93% | 1.56% | 1.33% | 1.41% | 1.68% | 1.99% | 1.92% | 1.73% | +32 bps | |
| Efficiency Ratio | -637% | 80.43% | 50.00% | 108.03% | 103.80% | 80.50% | 88.10% | 91.90% | -1,613 bps | |
| Non-Interest Burden | -17.87% | 1.10% | -0.41% | 1.58% | 1.78% | 1.43% | 1.60% | 1.52% | -6 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 | -0.73% | 0.00% | 0.00% | 0.25% | 1.31% | 0.39% | 0.00% | 0.13% | -11 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 |