Muleshoe, TX · Cert 17474
FDIC · 3 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, 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.
Muleshoe, TX · Cert 17474
FDIC · 3 branches
Q4 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.76% | 0.67% | 0.65% | 0.57% | 0.41% | 0.29% | 0.49%1 | -17 bps | |
| Return on Equity | 5.75% | 5.16% | 4.45% | 4.27% | 3.74% | 2.66% | 1.89% | 3.27% | -100 bps | |
| Net Interest Margin | 2.89% | 2.87% | 2.92% | 2.85% | 2.43% | 2.20% | 1.82% | 1.52% | -133 bps | |
| Efficiency Ratio | 70.38% | 72.99% | 76.15% | 76.90% | 77.19% | 81.87% | 85.57% | 107.59% | +3,069 bps | |
| Non-Interest Burden | 1.88% | 1.95% | 2.08% | 2.04% | 1.77% | 1.71% | 1.50% | 1.66% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.29% | -3.34% | -7.44% | -5.43% | -8.29% | 0.52% | 16.77% | 17.91% | +2,335 bps | |
| Loan Growth (YoY) | 1.67% | 1.20% | -11.19% | -11.56% | -9.56% | -12.27% | -8.57% | -15.88% | -432 bps | |
| Deposit Growth (YoY) | -4.58% | -5.27% | -10.33% | -7.76% | -8.08% | -0.33% | 19.52% | 21.71% | +2,947 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.55% | 0.58% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | -0.01% | -0.02% | -10 bps | |
| Allowance / Loans | 2.76% | 2.70% | 2.87% | 2.77% | 2.96% | 2.99% | 3.05% | 3.31% | +54 bps | |
| Allowance Coverage of NPLs | 8.3x | 5.0x | 5.0x | n/a | 32.2x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.77% | 14.92% | 15.37% | 15.55% | 15.20% | 15.21% | 14.06% | 13.23% | -232 bps | |
| Total Risk-Based Capital | 64.88% | 59.32% | 63.45% | 62.36% | 63.56% | 63.26% | 56.12% | 95.58% | +3,321 bps | |
| Equity / Assets | 14.63% | 15.44% | 16.30% | 16.11% | 14.46% | 16.02% | 14.49% | 13.56% | -254 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 19.08% | 19.97% | 20.29% | 19.95% | 18.77% | 17.58% | 15.52% | 13.79% | -616 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 72.74% | +7,274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |