Snyder, TX · Cert 14776
FDIC · 1 branch
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 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.
Snyder, TX · Cert 14776
FDIC · 1 branch
Q4 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.45% | 0.45% | 0.43% | -0.09% | 0.75% | 0.83% | 0.29% | -15 bps | |
| Return on Equity | 3.40% | 4.29% | 4.22% | 4.07% | -0.87% | 6.74% | 7.37% | 2.73% | -134 bps | |
| Net Interest Margin | 2.58% | 2.72% | 2.77% | 2.79% | 3.03% | 3.01% | 2.95% | 2.95% | +16 bps | |
| Efficiency Ratio | 87.74% | 87.41% | 85.36% | 85.50% | 85.67% | 83.82% | 83.59% | 99.08% | +1,359 bps | |
| Non-Interest Burden | 2.23% | 2.34% | 2.33% | 2.34% | 2.57% | 2.48% | 2.43% | 2.92% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.14% | -0.96% | -1.15% | -5.58% | -1.56% | -0.70% | 0.57% | -4.64% | +94 bps | |
| Loan Growth (YoY) | -19.03% | -14.90% | -21.20% | -15.26% | 0.74% | -6.05% | -12.33% | -16.64% | -139 bps | |
| Deposit Growth (YoY) | -2.49% | -1.10% | -1.16% | -6.55% | -2.09% | -1.78% | -0.39% | -5.94% | +62 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.20% | 0.21% | 0.21% | 0.45% | 0.23% | 0.24% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.31% | 0.25% | +25 bps | |
| Allowance / Loans | 1.07% | 1.05% | 1.03% | 1.05% | 1.45% | 0.54% | 0.48% | 0.52% | -54 bps | |
| Allowance Coverage of NPLs | n/a | 4.7x | 5.0x | 5.0x | 6.8x | 1.2x | 2.1x | 2.1x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 11.17% | 11.29% | 10.87% | 11.07% | 11.46% | 11.63% | 7.31% | -356 bps | |
| Total Risk-Based Capital | 23.16% | 22.62% | 23.70% | 23.51% | 23.79% | 25.69% | 30.01% | 19.87% | -364 bps | |
| Equity / Assets | 10.52% | 10.88% | 10.97% | 10.66% | 10.89% | 11.65% | 11.65% | 7.31% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.18% | 41.19% | 42.18% | 40.42% | 40.31% | 39.40% | 37.12% | 35.82% | -460 bps | |
| Liquid Assets / Assets | 11.73% | 6.74% | 6.38% | 10.00% | 9.68% | 13.33% | 41.43% | 66.16% | +5,617 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |