Alvin, TX · Cert 0
FDIC
Q3 2020
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2003 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.83% | 0.99% | 1.15% | 2.63% | 46.93% | +4,610 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.63% | 75.86% | n/a | |
| Net Interest Margin | n/a | 1.22% | 1.33% | 1.65% | 2.63% | 0.33% | -89 bps | |
| Efficiency Ratio | n/a | 0.00% | 25.00% | 30.00% | 0.00% | 80.28% | +8,028 bps | |
| Non-Interest Burden | n/a | 0.00% | 0.33% | 0.50% | 0.00% | -38.67% | -3,867 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | 1027% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 | 51.42% | n/a | n/a |
| Total Risk-Based Capital | 0.00% | 500% | 500% | 500% | 501% | 51.42% | -44,858 bps | |
| Equity / Assets | n/a | 100.00% | 100.00% | 100.00% | 100.00% | 61.87% | -3,813 bps | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | n/a | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% | -10,000 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |