Florence, TX · Cert 11886
FDIC · 8 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Florence, TX · Cert 11886
FDIC · 8 branches
Q3 2018
Market Position · Austin-Round Rock, TX · 2018 SOD (annual) · 0.6% share · #22 of 67 inst. · $0.3B of $42.3B
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.74% | 0.68% | 0.73% | 0.78% | 0.44% | 0.55% | 0.55% | -18 bps | |
| Return on Equity | 7.71% | 8.58% | 7.75% | 8.14% | 8.50% | 4.00% | 4.90% | 5.01% | -313 bps | |
| Net Interest Margin | 2.65% | 2.75% | 2.82% | 2.91% | 3.01% | 2.82% | 2.98% | 3.09% | +19 bps | |
| Efficiency Ratio | 81.30% | 75.05% | 78.05% | 77.23% | 76.62% | 77.57% | 72.66% | 72.58% | -465 bps | |
| Non-Interest Burden | 2.06% | 1.88% | 2.07% | 2.12% | 2.17% | 2.03% | 2.07% | 2.17% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.07% | -1.02% | -1.44% | -1.17% | -0.92% | 6.37% | 4.80% | -0.32% | +85 bps | |
| Loan Growth (YoY) | 13.89% | 19.01% | 21.61% | 22.31% | 14.84% | 5.25% | 2.23% | -4.05% | -2,636 bps | |
| Deposit Growth (YoY) | 1.10% | 0.33% | -0.73% | -0.80% | -2.40% | 2.24% | 1.03% | -0.85% | -4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.71% | 0.67% | 0.60% | 0.11% | 0.10% | 0.25% | 2.43% | +183 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.05% | 0.08% | 0.07% | 0.04% | 0.04% | 0.03% | -5 bps | |
| Allowance / Loans | 1.49% | 1.45% | 1.35% | 1.27% | 1.34% | 0.00% | 0.07% | 0.16% | -111 bps | |
| Allowance Coverage of NPLs | n/a | 2.0x | 2.0x | 2.1x | 11.9x | 0.0x | 0.3x | 0.1x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.77% | 9.92% | 10.12% | 10.27% | 10.36% | 10.47% | 8.21% | -191 bps | |
| Total Risk-Based Capital | 18.13% | 17.98% | 17.62% | 17.50% | 17.95% | 17.80% | 17.84% | 13.79% | -371 bps | |
| Equity / Assets | 8.38% | 8.79% | 9.33% | 9.56% | 9.66% | 12.02% | 12.18% | 10.17% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.24% | 56.53% | 59.58% | 62.87% | 62.65% | 58.19% | 60.29% | 60.84% | -203 bps | |
| Liquid Assets / Assets | 1.71% | 2.93% | 4.35% | 4.71% | 4.16% | 12.82% | 12.17% | 9.35% | +464 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |