Mobeetie, TX · Cert 17909
FDIC · 2 branches
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.14% | 0.71% | 0.77% | 0.85% | 0.86% | 2.79%1 | -0.51% | -128 bps | |
| Return on Equity | 9.10% | 10.03% | 6.29% | 6.72% | 7.17% | 6.84% | 20.88% | -3.86% | -1,058 bps | |
| Net Interest Margin | 2.67% | 2.65% | 2.39% | 2.81% | 2.42% | 2.46% | 2.33% | 1.82% | -99 bps | |
| Efficiency Ratio | 57.64% | 57.82% | 72.10% | 71.83% | 68.29% | 68.76% | 153.78% | 124.80% | +5,297 bps | |
| Non-Interest Burden | 1.43% | 1.38% | 1.63% | 1.93% | 1.57% | 1.61% | 3.75% | 2.31% | +38 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% | -1.22% | -0.15% | -0.16% | -0.13% | -0.12% | -0.16% | 0.03% | +20 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 |