Muleshoe, TX · Cert 17474
FDIC · 3 branches
Q4 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.57% | 0.27% | 0.06% | 1.02%1 | +41 bps | |
| Return on Equity | 3.73% | 3.74% | 1.74% | 0.42% | 7.25% | +351 bps | |
| Net Interest Margin | 2.62% | 2.43% | 1.97% | 1.40% | 1.03% | -159 bps | |
| Efficiency Ratio | 79.26% | 77.19% | 87.35% | 96.30% | 204% | +12,464 bps | |
| Non-Interest Burden | 1.91% | 1.77% | 1.66% | 1.33% | 2.49% | +58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.43% | -8.29% | 0.52% | 16.77% | 17.91% | +2,335 bps | |
| Loan Growth (YoY) | -11.56% | -9.56% | -12.27% | -8.57% | -15.88% | -432 bps | |
| Deposit Growth (YoY) | -7.76% | -8.08% | -0.33% | 19.52% | 21.71% | +2,947 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.00% | 0.00% | -0.03% | -0.03% | -38 bps | |
| Allowance / Loans | 2.77% | 2.96% | 2.99% | 3.05% | 3.31% | +54 bps | |
| Allowance Coverage of NPLs | n/a | 32.2x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.55% | 15.20% | 15.21% | 14.06% | 13.23% | -232 bps | |
| Total Risk-Based Capital | 62.36% | 63.56% | 63.26% | 56.12% | 95.58% | +3,321 bps | |
| Equity / Assets | 16.11% | 14.46% | 16.02% | 14.49% | 13.56% | -254 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.95% | 18.77% | 17.58% | 15.52% | 13.79% | -616 bps | |
| Liquid Assets / Assets | 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 |