Dilley, TX · Cert 1490
FDIC · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Dilley, TX · Cert 1490
FDIC · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.68% | 0.39% | 0.26% | 0.39% | 0.33% | 0.33% | 0.38% | +13 bps | |
| Return on Equity | 5.23% | 4.03% | 2.33% | 1.52% | 2.54% | 3.31% | 3.29% | 3.73% | +221 bps | |
| Net Interest Margin | 2.22% | 1.79% | 1.49% | 1.37% | 0.03% | 1.43% | 1.51% | 1.48% | +10 bps | |
| Efficiency Ratio | 59.96% | 66.95% | 77.03% | 83.67% | 19.79% | 77.24% | 68.06% | 68.18% | -1,549 bps | |
| Non-Interest Burden | 1.23% | 1.12% | 1.11% | 1.12% | -0.35% | 1.04% | 0.95% | 0.93% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | 7.37% | 7.00% | 3.05% | 2.09% | -4.44% | -10.88% | -8.97% | -1,202 bps | |
| Loan Growth (YoY) | 18.92% | -1.55% | -3.08% | -17.15% | -23.69% | 60.45% | 72.20% | 52.07% | +6,922 bps | |
| Deposit Growth (YoY) | 8.37% | 6.30% | 6.29% | 2.26% | 10.76% | 4.35% | -3.46% | -1.46% | -372 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.11% | 0.19% | 0.30% | 0.12% | 0.05% | 0.02% | 0.02% | -28 bps | |
| Net Charge-Offs / Loans | 0.07% | -0.05% | -0.04% | -0.04% | 0.00% | -0.05% | -0.04% | -0.05% | 0 bps | |
| Allowance / Loans | 0.65% | 0.76% | 0.85% | 0.92% | 0.22% | 0.15% | 0.60% | 0.75% | -17 bps | |
| Allowance Coverage of NPLs | 5.2x | 7.0x | 4.5x | 3.0x | 1.8x | 2.9x | 27.2x | 42.3x | +39.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.74% | 16.95% | 16.81% | 16.09% | 8.86% | 9.66% | 9.65% | 9.79% | -629 bps | |
| Total Risk-Based Capital | 56.02% | 16.95% | 51.72% | 51.35% | 8.86% | 9.66% | 9.65% | 12.23% | -3,911 bps | |
| Equity / Assets | 16.85% | 16.69% | 16.69% | 17.30% | 10.19% | 9.49% | 10.24% | 10.97% | -633 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 16.74% | 14.21% | 13.37% | 13.04% | 11.53% | 21.85% | 23.84% | 20.12% | +708 bps | |
| Liquid Assets / Assets | 32.11% | 44.01% | 38.43% | 42.42% | 37.19% | 12.31% | 10.19% | 14.75% | -2,766 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |