Decatur, TX · Cert 57817
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Decatur, TX · Cert 57817
FDIC · 2 branches
Q4 2014
Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #81 of 168 inst. · $0.1B of $206.1B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.35% | 1.42% | 1.45% | 1.63% | 1.70% | 1.63% | 0.29% | -115 bps | |
| Return on Equity | 15.02% | 13.63% | 14.36% | 14.56% | 15.99% | 16.71% | 16.00% | 2.65% | -1,191 bps | |
| Net Interest Margin | 3.69% | 3.67% | 3.69% | 3.76% | 4.15% | 4.05% | 3.96% | 0.52% | -324 bps | |
| Efficiency Ratio | 62.60% | 65.92% | 65.00% | 65.05% | 63.14% | 61.87% | 63.35% | 54.81% | -1,024 bps | |
| Non-Interest Burden | 2.18% | 2.30% | 2.27% | 2.32% | 2.50% | 2.38% | 2.39% | 0.26% | -206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.58% | 4.15% | 7.89% | 5.01% | 6.42% | 12.24% | 9.11% | 27.15% | +2,214 bps | |
| Loan Growth (YoY) | -0.17% | 0.74% | 10.12% | 20.74% | 21.04% | 25.10% | 12.94% | 3.50% | -1,725 bps | |
| Deposit Growth (YoY) | 2.71% | 3.52% | 7.67% | 4.58% | 6.01% | 12.19% | 8.48% | 21.81% | +1,724 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% | 0.12% | 0.07% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.73% | 1.66% | 1.47% | 1.42% | 1.38% | 1.33% | 1.30% | 0.01% | -141 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 | 16.37% | 16.79% | 15.70% | 15.85% | 15.86% | 15.96% | 16.16% | 13.40% | -245 bps | |
| Equity / Assets | 9.98% | 10.12% | 9.83% | 10.12% | 10.30% | 10.15% | 10.30% | 13.92% | +380 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.68% | 70.59% | 75.89% | 77.93% | 80.70% | 78.71% | 79.01% | 66.21% | -1,172 bps | |
| Liquid Assets / Assets | 4.23% | 3.70% | 3.06% | 2.27% | 1.07% | 1.01% | 0.38% | 11.11% | +884 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |