Gruver, TX · Cert 16495
FDIC · 1 branch
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 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.
Gruver, TX · Cert 16495
FDIC · 1 branch
Q2 2019
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.66% | 2.15% | 1.91% | 1.90% | 1.86% | 1.66% | 1.94% | +3 bps | |
| Return on Equity | 6.52% | 6.28% | 20.66% | 18.16% | 18.01% | 17.46% | 14.96% | 17.19% | -96 bps | |
| Net Interest Margin | 3.34% | 3.14% | 3.41% | 3.72% | 3.59% | 3.60% | 3.76% | 3.78% | +6 bps | |
| Efficiency Ratio | 60.36% | 58.32% | 51.79% | 54.33% | 54.19% | 55.46% | 60.75% | 54.91% | +58 bps | |
| Non-Interest Burden | 1.87% | 1.69% | 1.34% | 1.71% | 1.68% | 1.77% | 2.12% | 1.81% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.06% | 7.41% | -1.18% | 0.14% | -2.82% | -6.56% | 8.78% | 6.88% | +674 bps | |
| Loan Growth (YoY) | 2.55% | -1.54% | -8.01% | -5.96% | 3.13% | 4.86% | 11.76% | 18.61% | +2,457 bps | |
| Deposit Growth (YoY) | 12.63% | 10.85% | -1.29% | -2.22% | -0.76% | -3.65% | -1.54% | -3.81% | -158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.37% | 1.85% | -0.23% | -0.13% | -0.09% | -0.10% | -0.02% | -0.01% | +12 bps | |
| Allowance / Loans | 0.50% | 1.15% | 1.29% | 1.22% | 1.12% | 1.20% | 1.21% | 1.07% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.76% | 10.10% | 10.77% | 12.14% | 11.77% | 11.72% | 11.67% | 12.11% | -3 bps | |
| Total Risk-Based Capital | 17.79% | 19.17% | 20.33% | 19.81% | 18.72% | 19.79% | 19.46% | 17.95% | -187 bps | |
| Equity / Assets | 10.50% | 10.04% | 10.75% | 10.83% | 10.61% | 11.19% | 10.94% | 11.75% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.09% | 64.19% | 61.85% | 67.92% | 74.91% | 69.86% | 70.20% | 83.75% | +1,583 bps | |
| Liquid Assets / Assets | 8.73% | 11.26% | 9.94% | 4.29% | 3.39% | 6.40% | 12.21% | 4.35% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |