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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.78% | 0.44% | 0.55% | 0.55% | -18 bps | |
| Return on Equity | 8.14% | 8.50% | 4.00% | 4.90% | 5.01% | -313 bps | |
| Net Interest Margin | 2.91% | 3.01% | 2.82% | 2.98% | 3.09% | +19 bps | |
| Efficiency Ratio | 77.23% | 76.62% | 77.57% | 72.66% | 72.58% | -465 bps | |
| Non-Interest Burden | 2.12% | 2.17% | 2.03% | 2.07% | 2.17% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.17% | -0.92% | 6.37% | 4.80% | -0.32% | +85 bps | |
| Loan Growth (YoY) | 22.31% | 14.84% | 5.25% | 2.23% | -4.05% | -2,636 bps | |
| Deposit Growth (YoY) | -0.80% | -2.40% | 2.24% | 1.03% | -0.85% | -4 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.11% | 0.10% | 0.25% | 2.43% | +183 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.04% | 0.04% | 0.03% | -5 bps | |
| Allowance / Loans | 1.27% | 1.34% | 0.00% | 0.07% | 0.16% | -111 bps | |
| Allowance Coverage of NPLs | 2.1x | 11.9x | 0.0x | 0.3x | 0.1x | -2.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.12% | 10.27% | 10.36% | 10.47% | 8.21% | -191 bps | |
| Total Risk-Based Capital | 17.50% | 17.95% | 17.80% | 17.84% | 13.79% | -371 bps | |
| Equity / Assets | 9.56% | 9.66% | 12.02% | 12.18% | 10.17% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.87% | 62.65% | 58.19% | 60.29% | 60.84% | -203 bps | |
| Liquid Assets / Assets | 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 |