Odessa, TX · Cert 15466
FDIC · 8 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 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.
Odessa, TX · Cert 15466
FDIC · 8 branches
Q3 2019
Market Position · Odessa, TX · 2019 SOD (annual) · 5.2% share · #8 of 17 inst. · $0.2B of $3.4B
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.63% | 0.94% | 1.30% | 1.26% | 1.60% | 1.31% | 1.93% | +63 bps | |
| Return on Equity | 6.85% | 5.72% | 8.55% | 11.69% | 11.16% | 13.59% | 10.97% | 15.88% | +419 bps | |
| Net Interest Margin | 3.18% | 3.50% | 3.67% | 3.90% | 3.98% | 3.99% | 4.03% | 4.08% | +17 bps | |
| Efficiency Ratio | 77.42% | 79.19% | 74.50% | 68.29% | 69.46% | 65.20% | 65.15% | 58.96% | -934 bps | |
| Non-Interest Burden | 2.37% | 2.69% | 2.63% | 2.54% | 2.64% | 2.36% | 2.44% | 2.07% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 7.03% | 7.33% | 3.34% | 4.76% | 1.96% | 2.32% | 1.41% | -193 bps | |
| Loan Growth (YoY) | -2.53% | 2.21% | -0.84% | 5.48% | 3.58% | -0.17% | -3.94% | -8.47% | -1,395 bps | |
| Deposit Growth (YoY) | 3.63% | 6.94% | 7.76% | 2.72% | 3.93% | 1.23% | 0.95% | -0.43% | -314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.91% | 3.46% | 1.56% | 0.65% | 0.41% | 0.32% | 0.21% | 0.15% | -51 bps | |
| Net Charge-Offs / Loans | 1.98% | -0.21% | 0.69% | 0.61% | 0.39% | -0.30% | -0.29% | -0.25% | -86 bps | |
| Allowance / Loans | 2.16% | 2.19% | 1.77% | 1.66% | 1.80% | 1.92% | 2.04% | 1.92% | +26 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 1.1x | 2.5x | 4.4x | 6.0x | 9.6x | 13.1x | +10.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.18% | 11.33% | 11.43% | 11.55% | 12.04% | 12.01% | 12.13% | 13.00% | +144 bps | |
| Total Risk-Based Capital | 18.24% | 17.97% | 18.42% | 18.95% | 19.95% | 20.14% | 22.35% | 23.38% | +443 bps | |
| Equity / Assets | 11.35% | 10.84% | 10.99% | 11.26% | 11.85% | 11.71% | 12.16% | 12.92% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.51% | 57.01% | 57.22% | 58.26% | 58.32% | 56.22% | 54.44% | 53.55% | -470 bps | |
| Liquid Assets / Assets | 11.02% | 11.58% | 12.72% | 15.45% | 15.89% | 16.19% | 22.46% | 21.74% | +629 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |