Corpus Christi, TX · Charter 68626
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 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.
Corpus Christi, TX · Charter 68626
Q4 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.33% | 0.70% | 0.65% | 0.10% | 0.67% | -1.31% | -2.66% | -331 bps | |
| Return on Equity | 4.04% | 2.89% | 6.05% | 5.44% | 0.88% | 5.72% | -11.78% | -26.20% | -3,164 bps | |
| Net Interest Margin | 6.57% | 6.76% | 6.64% | 6.74% | 5.85% | 6.00% | 6.34% | 6.59% | -15 bps | |
| Efficiency Ratio | 71.50% | 69.64% | 66.33% | 67.17% | 73.79% | 71.73% | 71.10% | 71.74% | +457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.59% | 24.89% | 12.17% | -1.15% | 5.99% | 5.35% | -2.69% | -7.01% | -586 bps | |
| Loan Growth (YoY) | 7.91% | 12.18% | 14.14% | 15.68% | 18.13% | 2.63% | -6.11% | -13.68% | -2,935 bps | |
| Share Growth (YoY) | 33.86% | 30.02% | 13.89% | 0.11% | 5.50% | 5.21% | -1.24% | -5.19% | -531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 2.16% | 2.18% | 3.62% | 2.38% | 3.44% | 3.47% | 4.38% | +75 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 | 1.15% | 1.41% | 1.60% | 1.72% | 1.86% | 1.85% | 2.95% | 4.41% | +269 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.38% | 11.52% | 11.64% | 11.91% | 11.27% | 11.73% | 11.10% | 10.15% | -176 bps | |
| Net Worth / Assets | 11.38% | 11.52% | 11.64% | 11.91% | 11.27% | 11.73% | 11.10% | 10.15% | -176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.31% | 92.03% | 93.75% | 96.66% | 92.17% | 89.78% | 89.13% | 88.01% | -865 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |