Edinburg, TX · Charter 67881
Q3 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | 2.72% | 2.62% | 2.34% | 2.24% | -1.40% | -21.92% | -13.57% | -11.17% | -1,341 bps | |
| Return on Equity | 22.53% | 23.22% | 21.64% | 20.33% | -17.65% | -808% | -649% | -1309% | -132,938 bps | |
| Net Interest Margin | 6.02% | 5.70% | 5.38% | 5.38% | 5.36% | 4.13% | 3.99% | 3.84% | -154 bps | |
| Efficiency Ratio | 48.37% | 48.77% | 46.73% | 47.94% | 49.06% | 270% | 153.41% | 129.56% | +8,162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.98% | 24.90% | 30.38% | 36.00% | 29.88% | 10.31% | -7.65% | -14.14% | -5,014 bps | |
| Loan Growth (YoY) | 24.24% | 29.84% | 33.73% | 31.09% | 17.53% | -7.51% | -26.42% | -35.54% | -6,663 bps | |
| Share Growth (YoY) | 11.42% | 23.85% | 30.42% | 37.34% | 37.53% | 22.31% | 3.54% | -4.17% | -4,151 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 0.65% | 0.77% | 1.07% | 3.81% | 11.90% | 16.82% | 21.00% | +1,992 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 | 2.05% | 1.87% | 1.83% | 1.92% | 6.44% | 10.34% | 10.12% | 12.83% | +1,092 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.08% | 11.29% | 10.82% | 11.01% | 7.91% | 2.71% | 2.09% | 0.85% | -1,015 bps | |
| Net Worth / Assets | 12.08% | 11.29% | 10.82% | 11.01% | 7.91% | 2.71% | 2.09% | 0.85% | -1,015 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.63% | 102.08% | 101.17% | 98.55% | 90.28% | 77.18% | 71.90% | 66.29% | -3,226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 86.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |