Amarillo, TX · Charter 67509
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Amarillo, TX · Charter 67509
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.08% | -0.54% | -0.64% | -1.83% | -1.51% | -1.50% | -0.71% | -7 bps | |
| Return on Equity | -1.73% | -0.77% | -5.13% | -6.07% | -18.01% | -15.16% | -15.75% | -8.04% | -197 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.51% | 3.53% | 3.26% | 3.31% | 3.27% | 4.12% | +59 bps | |
| Efficiency Ratio | 104.22% | 108.17% | 116.80% | 119.52% | 136.89% | 133.41% | 135.02% | 119.76% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.06% | -10.04% | -15.44% | -15.53% | -13.18% | -10.58% | -2.48% | -3.07% | +1,246 bps | |
| Loan Growth (YoY) | -19.83% | -28.12% | -25.01% | -20.99% | -12.44% | 1.00% | 2.14% | 2.04% | +2,303 bps | |
| Share Growth (YoY) | -8.00% | -10.98% | -16.83% | -17.73% | -13.75% | -10.41% | -1.29% | 0.72% | +1,845 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.09% | 0.20% | 0.06% | 0.07% | 0.00% | 0.00% | 0.01% | -5 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 | 0.89% | 0.66% | 0.62% | 0.26% | 0.49% | 0.47% | 0.49% | 0.50% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 10.13% | 10.58% | 10.56% | 10.17% | 9.97% | 9.50% | 8.80% | -176 bps | |
| Net Worth / Assets | 9.75% | 10.13% | 10.58% | 10.56% | 10.17% | 9.97% | 9.50% | 8.80% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.42% | 44.73% | 47.72% | 49.22% | 50.17% | 50.43% | 49.38% | 49.86% | +65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |