Mobeetie, TX · Cert 17909
FDIC · 2 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, 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.
Mobeetie, TX · Cert 17909
FDIC · 2 branches
Q4 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.10% | 0.97% | 0.92% | 0.85% | 0.86% | 1.50%1 | 1.00%1 | +8 bps | |
| Return on Equity | 9.10% | 9.52% | 8.46% | 8.03% | 7.17% | 6.98% | 11.92% | 7.92% | -11 bps | |
| Net Interest Margin | 2.67% | 2.65% | 2.57% | 2.67% | 2.42% | 2.43% | 2.42% | 2.27% | -40 bps | |
| Efficiency Ratio | 57.64% | 57.73% | 62.23% | 64.75% | 68.29% | 68.53% | 96.30% | 101.88% | +3,713 bps | |
| Non-Interest Burden | 1.43% | 1.40% | 1.48% | 1.62% | 1.57% | 1.59% | 2.32% | 2.31% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | -4.85% | 1.14% | -3.17% | -1.92% | -2.95% | -3.58% | 1.50% | +467 bps | |
| Loan Growth (YoY) | 9.63% | -7.91% | -15.32% | -18.53% | -15.99% | -8.23% | -8.27% | -3.69% | +1,484 bps | |
| Deposit Growth (YoY) | -1.80% | -4.83% | 2.48% | -2.95% | -2.78% | -5.02% | -6.03% | 0.23% | +318 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.29% | 3.43% | 6.43% | 8.78% | 8.26% | 5.91% | 6.04% | 6.50% | -228 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.61% | -0.46% | -0.44% | -0.13% | -0.12% | -0.14% | -0.10% | +33 bps | |
| Allowance / Loans | 1.57% | 2.03% | 2.22% | 2.69% | 2.72% | 2.59% | 2.69% | 2.90% | +21 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.3x | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.06% | 12.30% | 12.49% | 12.25% | 12.56% | 12.70% | 13.54% | 12.86% | +61 bps | |
| Total Risk-Based Capital | 41.27% | 42.40% | 42.57% | 43.67% | 44.27% | 44.88% | 82.05% | 82.62% | +3,895 bps | |
| Equity / Assets | 11.16% | 11.50% | 11.20% | 11.72% | 11.94% | 13.33% | 13.43% | 12.79% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.43% | 20.28% | 19.52% | 18.26% | 17.65% | 19.60% | 19.06% | 17.55% | -71 bps | |
| Liquid Assets / Assets | 8.68% | 7.30% | 9.22% | 6.90% | 10.94% | 6.72% | 70.04% | 70.60% | +6,370 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |