Snyder, TX · Cert 14776
FDIC · 1 branch
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | -0.09% | 1.59% | 0.99% | -1.37% | -176 bps | |
| Return on Equity | 3.58% | -0.87% | 14.13% | 8.53% | -14.42% | -1,799 bps | |
| Net Interest Margin | 2.96% | 3.03% | 2.99% | 2.87% | 2.58% | -39 bps | |
| Efficiency Ratio | 85.88% | 85.67% | 82.01% | 83.12% | 154.39% | +6,850 bps | |
| Non-Interest Burden | 2.50% | 2.57% | 2.39% | 2.35% | 4.09% | +159 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.58% | -1.56% | -0.70% | 0.57% | -4.64% | +94 bps | |
| Loan Growth (YoY) | -15.26% | 0.74% | -6.05% | -12.33% | -16.64% | -139 bps | |
| Deposit Growth (YoY) | -6.55% | -2.09% | -1.78% | -0.39% | -5.94% | +62 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.45% | 0.23% | 0.24% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.93% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.45% | 0.54% | 0.48% | 0.52% | -54 bps | |
| Allowance Coverage of NPLs | 5.0x | 6.8x | 1.2x | 2.1x | 2.1x | -2.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.87% | 11.07% | 11.46% | 11.63% | 7.31% | -356 bps | |
| Total Risk-Based Capital | 23.51% | 23.79% | 25.69% | 30.01% | 19.87% | -364 bps | |
| Equity / Assets | 10.66% | 10.89% | 11.65% | 11.65% | 7.31% | -335 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.42% | 40.31% | 39.40% | 37.12% | 35.82% | -460 bps | |
| Liquid Assets / Assets | 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 |