Gruver, TX · Cert 16495
FDIC · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.56% | 2.15% | 1.69% | 1.90% | 1.75% | 1.66% | 2.19% | +50 bps | |
| Return on Equity | 2.58% | 5.50% | 20.66% | 15.70% | 17.76% | 16.04% | 14.96% | 19.33% | +363 bps | |
| Net Interest Margin | 3.45% | 3.28% | 3.41% | 3.66% | 3.68% | 3.82% | 3.76% | 3.74% | +9 bps | |
| Efficiency Ratio | 59.19% | 52.54% | 51.79% | 57.31% | 53.90% | 59.16% | 60.75% | 49.37% | -795 bps | |
| Non-Interest Burden | 1.90% | 1.56% | 1.34% | 1.92% | 1.80% | 2.11% | 2.12% | 1.47% | -45 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 | 3.21% | -0.14% | -0.23% | -0.03% | -0.05% | -0.12% | -0.02% | 0.00% | +3 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 |