Waco, TX · Charter 6289
Q2 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.24% | -1.13% | -0.82% | -1.19% | -1.03% | -1.62% | -5.87% | -7.05% | -587 bps | |
| Return on Equity | -9.51% | -8.76% | -6.30% | -9.53% | -8.27% | -14.25% | -58.20% | -46.39% | -3,686 bps | |
| Net Interest Margin | 2.82% | 2.84% | 2.64% | 2.64% | 2.66% | 2.60% | 2.53% | 3.89% | +125 bps | |
| Efficiency Ratio | 131.55% | 130.94% | 125.79% | 130.50% | 128.42% | 141.61% | 266% | 227% | +9,697 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.83% | -0.95% | -3.55% | -0.75% | -2.78% | -0.88% | 0.38% | -38.97% | -3,822 bps | |
| Loan Growth (YoY) | 2.06% | -9.35% | -10.62% | -12.37% | -14.29% | -11.23% | -10.41% | -20.77% | -841 bps | |
| Share Growth (YoY) | 4.20% | 0.46% | -2.63% | 0.70% | -2.03% | -0.44% | 2.88% | -41.87% | -4,257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.49% | 0.33% | 0.90% | 0.91% | 0.00% | 0.00% | 0.00% | -90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.51% | 2.33% | 2.32% | 2.42% | 2.32% | 2.58% | 2.55% | 2.81% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.09% | 12.85% | 13.06% | 12.47% | 12.49% | 11.34% | 10.09% | 15.21% | +274 bps | |
| Net Worth / Assets | 13.09% | 12.85% | 13.06% | 12.47% | 12.49% | 11.34% | 10.09% | 15.21% | +274 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.83% | 42.12% | 41.66% | 40.35% | 39.22% | 37.56% | 36.28% | 54.99% | +1,464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |