Nixon, TX · Cert 9970
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | -0.21% | -0.14% | -0.84% | 0.10% | 2.47% | -0.86% | -0.64% | +20 bps | |
| Return on Equity | -2.67% | -3.04% | -2.17% | -13.54% | 1.61% | 37.99% | -11.84% | -9.22% | +432 bps | |
| Net Interest Margin | 2.70% | 2.61% | 2.58% | 2.67% | 2.51% | 2.56% | 2.70% | 2.44% | -22 bps | |
| Efficiency Ratio | 95.32% | 95.90% | 94.43% | 91.26% | 90.25% | 55.31% | 126.48% | 121.85% | +3,059 bps | |
| Non-Interest Burden | 2.54% | 2.48% | 2.39% | 2.39% | 2.21% | 0.16% | 3.54% | 3.08% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 4.83% | 8.50% | 6.65% | 7.26% | -12.03% | -15.21% | -12.58% | -1,923 bps | |
| Loan Growth (YoY) | 1.65% | 1.08% | 6.45% | 7.23% | 1.12% | -9.13% | -18.51% | -27.46% | -3,469 bps | |
| Deposit Growth (YoY) | 7.45% | 5.61% | 9.58% | 7.83% | 8.91% | -12.53% | -15.90% | -13.22% | -2,105 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.82% | 0.48% | -0.07% | 2.29% | 2.37% | -0.13% | 0.07% | 0.54% | -175 bps | |
| Allowance / Loans | 1.32% | 1.44% | 1.68% | 1.90% | 1.64% | 1.95% | 2.10% | 2.11% | +21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.22% | 17.02% | 16.76% | 15.35% | 16.17% | 19.27% | 20.19% | 20.95% | +560 bps | |
| Equity / Assets | 7.15% | 6.77% | 6.34% | 6.07% | 5.79% | 7.33% | 7.12% | 6.81% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.52% | 33.57% | 32.61% | 34.39% | 32.05% | 34.88% | 31.60% | 28.75% | -564 bps | |
| Liquid Assets / Assets | 37.34% | 39.49% | 40.67% | 36.41% | 35.82% | 31.13% | 34.97% | 39.75% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |