Enloe, TX · Cert 10716
FDIC · 1 branch
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Enloe, TX · Cert 10716
FDIC · 1 branch
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.69% | 1.68% | 1.24% | 1.37% | 1.68% | 1.66% | 1.21% | 1.58% | +22 bps | |
| Return on Equity | 16.88% | 16.57% | 12.65% | 15.22% | 18.14% | 17.55% | 13.02% | 17.61% | +238 bps | |
| Net Interest Margin | 4.69% | 4.64% | 4.39% | 3.97% | 4.37% | 4.40% | 4.29% | 4.31% | +34 bps | |
| Efficiency Ratio | 51.86% | 52.34% | 61.82% | 54.25% | 52.23% | 53.73% | 63.49% | 57.04% | +279 bps | |
| Non-Interest Burden | 2.33% | 2.32% | 2.64% | 2.07% | 2.19% | 2.27% | 2.66% | 2.40% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.27% | 2.48% | 12.02% | 12.20% | 7.26% | 8.16% | 3.79% | 4.60% | -760 bps | |
| Loan Growth (YoY) | 7.59% | 7.48% | 7.21% | -8.17% | 8.78% | 6.44% | 9.94% | 28.00% | +3,617 bps | |
| Deposit Growth (YoY) | -0.48% | 0.49% | -1.10% | 8.61% | 5.61% | 3.75% | 9.61% | 4.94% | -368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.44% | 0.43% | 0.50% | 0.39% | 0.00% | 0.00% | 0.00% | -50 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.03% | 0.00% | 0.14% | 0.12% | 0.09% | 0.03% | +3 bps | |
| Allowance / Loans | 0.68% | 0.66% | 0.65% | 0.75% | 0.55% | 0.53% | 0.50% | 0.51% | -24 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.5x | 1.5x | 1.4x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.38% | 10.63% | 8.87% | 9.13% | 9.86% | 10.21% | 9.09% | 9.23% | +10 bps | |
| Total Risk-Based Capital | 13.60% | 13.76% | 12.11% | 14.06% | 12.73% | 12.93% | 11.28% | 11.52% | -254 bps | |
| Equity / Assets | 10.29% | 10.52% | 8.80% | 9.15% | 9.88% | 10.03% | 8.83% | 9.16% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.16% | 96.57% | 99.29% | 81.04% | 101.11% | 99.08% | 99.59% | 98.86% | +1,781 bps | |
| Liquid Assets / Assets | 10.04% | 9.86% | 9.12% | 9.11% | 9.34% | 9.10% | 8.77% | 8.72% | -39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |