Garland, TX · Charter 67548
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Garland, TX · Charter 67548
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.41% | 2.48% | 2.60% | 2.25% | 2.35% | 2.95% | 2.34% | -76.97% | -7,922 bps | |
| Return on Equity | 5.17% | 5.20% | 5.50% | 4.86% | 4.86% | 6.05% | 4.77% | -563% | -56,776 bps | |
| Net Interest Margin | 4.85% | 4.89% | 4.67% | 4.52% | 4.66% | 4.53% | 4.11% | -70.39% | -7,491 bps | |
| Efficiency Ratio | 49.36% | 49.36% | 48.34% | 54.41% | 53.50% | 47.94% | 49.41% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 1.14% | 1.26% | 4.45% | 1.53% | 3.94% | 2.27% | -7.80% | -1,226 bps | |
| Loan Growth (YoY) | 5.26% | -1.39% | -2.91% | -0.43% | -2.84% | -10.35% | -12.29% | -17.12% | -1,670 bps | |
| Share Growth (YoY) | 0.92% | -0.48% | 1.53% | 3.64% | -1.53% | 0.67% | -2.24% | 48.41% | +4,477 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.28% | 1.30% | 1.30% | 1.29% | 1.32% | 0.79% | 0.81% | 0.85% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.57% | 47.59% | 47.20% | 46.30% | 48.26% | 48.74% | 49.03% | 13.67% | -3,263 bps | |
| Net Worth / Assets | 46.57% | 47.59% | 47.20% | 46.30% | 48.26% | 48.74% | 49.03% | 13.67% | -3,263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 133.03% | 134.36% | 129.55% | 126.08% | 131.27% | 119.64% | 116.23% | 70.41% | -5,568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |