Riesel, TX · Cert 15300
FDIC · 6 branches
Q4 2019
Market Position · Waco, TX · 2019 SOD (annual) · 4.5% share · #10 of 28 inst. · $0.2B of $5.5B
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.24% | 0.29% | 0.31% | 0.33% | +2 bps | |
| Return on Equity | 3.74% | 2.82% | 3.42% | 3.63% | 4.00% | +27 bps | |
| Net Interest Margin | 2.41% | 2.40% | 2.43% | 2.44% | 2.45% | +5 bps | |
| Efficiency Ratio | 88.30% | 90.49% | 88.47% | 87.40% | 86.71% | -159 bps | |
| Non-Interest Burden | 2.09% | 2.14% | 2.12% | 2.09% | 2.08% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.22% | -2.89% | -1.91% | 0.43% | 0.02% | +324 bps | |
| Loan Growth (YoY) | 2.41% | -1.40% | 1.34% | 11.73% | 19.00% | +1,659 bps | |
| Deposit Growth (YoY) | -3.67% | -3.46% | 2.38% | 1.57% | 1.77% | +545 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.05% | 0.01% | 0.02% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 0.36% | 0.36% | 0.34% | 0.31% | 0.30% | -7 bps | |
| Allowance Coverage of NPLs | 7.3x | 6.5x | 7.1x | 21.2x | 19.6x | +12.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.29% | 8.30% | 8.52% | 8.62% | 6.67% | -162 bps | |
| Total Risk-Based Capital | 16.95% | 16.94% | 17.04% | 16.25% | 16.48% | -47 bps | |
| Equity / Assets | 8.45% | 8.38% | 8.74% | 8.68% | 6.81% | -164 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.00% | 42.43% | 45.60% | 48.39% | 50.28% | +728 bps | |
| Liquid Assets / Assets | 52.84% | 54.06% | 50.55% | 48.85% | 45.21% | -763 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |