Chico, TX · Cert 17856
FDIC · 4 branches
Q1 2020
Market Position · Dallas-Fort Worth-Arlington, TX · 2019 SOD (annual) · 0.1% share · #87 of 163 inst. · $0.2B of $295.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 1.14% | 0.39% | 0.12% | 1.39% | 0.53% | 0.66% | 0.76% | +65 bps | |
| Return on Equity | 2.50% | 10.92% | 3.68% | 1.09% | 12.45% | 4.54% | 5.61% | 6.57% | +548 bps | |
| Net Interest Margin | 2.79% | 2.72% | 2.71% | 2.71% | 2.70% | 2.73% | 2.88% | 2.83% | +12 bps | |
| Efficiency Ratio | 92.81% | 100.00% | 89.15% | 96.75% | 91.82% | 85.19% | 82.74% | 78.98% | -1,777 bps | |
| Non-Interest Burden | 2.53% | 2.72% | 2.32% | 2.59% | 2.40% | 2.19% | 2.23% | 2.06% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.33% | -3.93% | 0.13% | 1.90% | 6.04% | 4.42% | 2.54% | 6.59% | +469 bps | |
| Loan Growth (YoY) | 14.90% | 18.15% | 8.99% | 2.34% | 9.36% | 18.33% | 26.15% | 24.34% | +2,200 bps | |
| Deposit Growth (YoY) | -3.38% | -5.94% | -0.80% | 0.17% | 0.74% | 1.91% | 0.50% | 4.38% | +421 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.64% | 4.14% | 4.09% | 3.96% | 1.33% | 1.45% | 1.34% | 1.14% | -282 bps | |
| Net Charge-Offs / Loans | -1.96% | -0.14% | -0.69% | -0.16% | -0.10% | 0.00% | -0.10% | -1.04% | -88 bps | |
| Allowance / Loans | 2.62% | 2.02% | 2.25% | 2.30% | 1.47% | 1.37% | 1.34% | 1.62% | -67 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.6x | 0.6x | 1.1x | 0.9x | 1.0x | 1.4x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.11% | 12.36% | 12.25% | 11.78% | 12.08% | 11.91% | 11.70% | 11.89% | +11 bps | |
| Total Risk-Based Capital | 19.43% | 19.76% | 20.04% | 19.51% | 18.83% | 20.78% | 18.18% | 11.89% | -762 bps | |
| Equity / Assets | 10.47% | 10.37% | 10.67% | 10.92% | 11.43% | 11.69% | 11.64% | 11.62% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.46% | 52.51% | 50.38% | 49.74% | 56.95% | 60.96% | 63.24% | 59.26% | +952 bps | |
| Liquid Assets / Assets | 3.48% | 6.38% | 9.46% | 11.15% | 10.35% | 5.86% | 7.07% | 10.35% | -80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |