Elsa, TX · Cert 16239
FDIC · 6 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Elsa, TX · Cert 16239
FDIC · 6 branches
Q2 2018
Market Position · McAllen-Edinburg-Mission, TX · 2018 SOD (annual) · 1.2% share · #14 of 21 inst. · $0.1B of $9.5B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 1.13% | 1.22% | 1.27% | 1.37% | +46 bps | |
| Return on Equity | 9.16% | 11.37% | 12.20% | 12.72% | 13.54% | +438 bps | |
| Net Interest Margin | 4.87% | 4.97% | 4.98% | 5.03% | 5.11% | +24 bps | |
| Efficiency Ratio | 73.95% | 73.10% | 73.48% | 75.69% | 75.25% | +130 bps | |
| Non-Interest Burden | 3.38% | 3.40% | 3.43% | 3.60% | 3.63% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.12% | 1.08% | -0.19% | 3.34% | 0.32% | +144 bps | |
| Loan Growth (YoY) | 9.05% | 6.88% | 4.74% | 8.36% | 8.29% | -75 bps | |
| Deposit Growth (YoY) | -1.41% | 1.02% | 1.64% | 3.35% | -0.10% | +131 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.27% | 0.30% | 0.29% | 0.50% | +23 bps | |
| Net Charge-Offs / Loans | 0.79% | 0.52% | 0.38% | 0.04% | 0.01% | -77 bps | |
| Allowance / Loans | 0.78% | 0.80% | 0.78% | 0.80% | 0.81% | +3 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.0x | 2.6x | 2.7x | 1.6x | -1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.12% | 10.43% | 10.54% | 10.50% | 10.87% | +75 bps | |
| Total Risk-Based Capital | 18.10% | 18.18% | 17.88% | 17.24% | 17.68% | -42 bps | |
| Equity / Assets | 9.99% | 10.14% | 10.24% | 9.71% | 10.33% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.25% | 72.01% | 75.42% | 74.61% | 78.32% | +607 bps | |
| Liquid Assets / Assets | 4.60% | 4.41% | 4.38% | 3.87% | 3.91% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |