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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.91% | 1.90% | 1.86% | 1.66% | 1.94% | +3 bps | |
| Return on Equity | 18.16% | 18.01% | 17.46% | 14.96% | 17.19% | -96 bps | |
| Net Interest Margin | 3.72% | 3.59% | 3.60% | 3.76% | 3.78% | +6 bps | |
| Efficiency Ratio | 54.33% | 54.19% | 55.46% | 60.75% | 54.91% | +58 bps | |
| Non-Interest Burden | 1.71% | 1.68% | 1.77% | 2.12% | 1.81% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.14% | -2.82% | -6.56% | 8.78% | 6.88% | +674 bps | |
| Loan Growth (YoY) | -5.96% | 3.13% | 4.86% | 11.76% | 18.61% | +2,457 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.09% | -0.10% | -0.02% | -0.01% | +12 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.14% | 11.77% | 11.72% | 11.67% | 12.11% | -3 bps | |
| Total Risk-Based Capital | 19.81% | 18.72% | 19.79% | 19.46% | 17.95% | -187 bps | |
| Equity / Assets | 10.83% | 10.61% | 11.19% | 10.94% | 11.75% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.92% | 74.91% | 69.86% | 70.20% | 83.75% | +1,583 bps | |
| Liquid Assets / Assets | 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 |