Joaquin, TX · Cert 12504
FDIC · 7 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.86% | 1.31% | 0.35% | 0.74% | 0.94% | -0.67% | 0.12% | -23 bps | |
| Return on Equity | 10.73% | 8.81% | 13.50% | 3.77% | 8.50% | 10.87% | -7.64% | 1.21% | -256 bps | |
| Net Interest Margin | 4.37% | 4.48% | 4.46% | 4.48% | 4.27% | 4.32% | 4.60% | -8.88% | -1,335 bps | |
| Efficiency Ratio | 79.01% | 82.02% | 73.80% | 89.11% | 80.99% | 79.25% | 116.74% | 68.29% | -2,081 bps | |
| Non-Interest Burden | 3.16% | 3.44% | 2.96% | 3.85% | 3.23% | 3.18% | 5.55% | -9.26% | -1,311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.76% | -3.70% | -2.01% | 10.66% | 17.46% | 13.07% | 6.41% | -4.55% | -1,521 bps | |
| Loan Growth (YoY) | 2.37% | 4.18% | -0.02% | -5.97% | -4.53% | -1.01% | 0.13% | 2.91% | +888 bps | |
| Deposit Growth (YoY) | 0.38% | -4.27% | -2.59% | 11.41% | 19.07% | 14.18% | 6.73% | -7.90% | -1,932 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.97% | 1.21% | 0.28% | 0.37% | 0.62% | 0.63% | 0.75% | +47 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.15% | 0.01% | 0.00% | 0.34% | 0.00% | 0.06% | 0.03% | +2 bps | |
| Allowance / Loans | 0.65% | 0.67% | 0.73% | 0.84% | 0.84% | 0.87% | 0.75% | 0.21% | -63 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.7x | 0.6x | 3.0x | 2.3x | 1.4x | 1.2x | 0.3x | -2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 9.27% | 8.99% | 9.01% | 8.78% | 8.49% | 8.19% | 8.58% | -43 bps | |
| Total Risk-Based Capital | 12.65% | 12.66% | 12.74% | 13.41% | 13.89% | 13.39% | 12.15% | 11.87% | -154 bps | |
| Equity / Assets | 9.69% | 9.76% | 9.65% | 9.01% | 8.48% | 8.88% | 8.55% | 11.82% | +281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.23% | 89.45% | 87.58% | 78.18% | 71.54% | 77.55% | 82.16% | 87.35% | +918 bps | |
| Liquid Assets / Assets | 11.04% | 11.56% | 12.23% | 21.27% | 28.58% | 21.09% | 17.80% | 7.64% | -1,363 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |