Lubbock, TX · Cert 22752
FDIC · 12 branches
Q4 2018
Market Position · Lubbock, TX · 2018 SOD (annual) · 7.9% share · #6 of 27 inst. · $0.7B of $8.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | 1.09% | 1.09% | 1.17% | 1.38% | +252 bps | |
| Return on Equity | -11.93% | 11.84% | 12.01% | 12.70% | 14.39% | +2,633 bps | |
| Net Interest Margin | 3.22% | 3.25% | 3.24% | 3.36% | 3.59% | +37 bps | |
| Efficiency Ratio | 83.42% | 62.14% | 61.28% | 59.82% | 60.55% | -2,287 bps | |
| Non-Interest Burden | 2.58% | 1.82% | 1.80% | 1.81% | 1.95% | -63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.29% | 1.29% | 2.22% | -1.00% | 1.79% | -850 bps | |
| Loan Growth (YoY) | 12.42% | 8.55% | 6.64% | 7.64% | 15.34% | +292 bps | |
| Deposit Growth (YoY) | 4.48% | -3.09% | 3.69% | 5.99% | 9.90% | +542 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.37% | 0.31% | 0.34% | 0.32% | -7 bps | |
| Net Charge-Offs / Loans | 3.64% | 0.02% | 0.04% | 0.09% | 0.20% | -345 bps | |
| Allowance / Loans | 1.21% | 1.28% | 1.31% | 1.32% | 1.19% | -2 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.5x | 4.2x | 3.9x | 3.8x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.31% | 9.57% | 9.71% | 9.99% | 10.35% | +104 bps | |
| Total Risk-Based Capital | 15.90% | 16.11% | 16.00% | 15.81% | 15.29% | -61 bps | |
| Equity / Assets | 9.32% | 9.08% | 9.08% | 9.38% | 9.74% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.43% | 69.66% | 66.56% | 68.22% | 72.87% | +344 bps | |
| Liquid Assets / Assets | 3.59% | 5.11% | 3.90% | 1.29% | 0.70% | -289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |