Enloe, TX · Cert 10716
FDIC · 1 branch
Q1 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 2.00% | 1.64% | -0.08% | 1.58% | +22 bps | |
| Return on Equity | 15.22% | 20.98% | 16.43% | -0.83% | 17.61% | +238 bps | |
| Net Interest Margin | 3.97% | 4.68% | 4.51% | 4.28% | 4.31% | +34 bps | |
| Efficiency Ratio | 54.25% | 50.48% | 56.62% | 93.13% | 57.04% | +279 bps | |
| Non-Interest Burden | 2.07% | 2.26% | 2.47% | 3.97% | 2.40% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.20% | 7.26% | 8.16% | 3.79% | 4.60% | -760 bps | |
| Loan Growth (YoY) | -8.17% | 8.78% | 6.44% | 9.94% | 28.00% | +3,617 bps | |
| Deposit Growth (YoY) | 8.61% | 5.61% | 3.75% | 9.61% | 4.94% | -368 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.39% | 0.00% | 0.00% | 0.00% | -50 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.29% | 0.08% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 0.75% | 0.55% | 0.53% | 0.50% | 0.51% | -24 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.4x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.13% | 9.86% | 10.21% | 9.09% | 9.23% | +10 bps | |
| Total Risk-Based Capital | 14.06% | 12.73% | 12.93% | 11.28% | 11.52% | -254 bps | |
| Equity / Assets | 9.15% | 9.88% | 10.03% | 8.83% | 9.16% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.04% | 101.11% | 99.08% | 99.59% | 98.86% | +1,781 bps | |
| Liquid Assets / Assets | 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 |