Hondo, TX · Cert 23431
FDIC · 4 branches
Q4 2021
Market Position · San Antonio-New Braunfels, TX · 2021 SOD (annual) · 0.1% share · #24 of 61 inst. · $0.2B of $169.6B
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.32% | 1.46% | 1.37% | 1.46% | 0.62% | 0.81% | 1.15% | -22 bps | |
| Return on Equity | 11.95% | 11.43% | 12.79% | 12.06% | 13.03% | 5.73% | 7.73% | 11.24% | -82 bps | |
| Net Interest Margin | 3.41% | 3.41% | 3.74% | 3.58% | 3.88% | 1.66% | 2.02% | 2.38% | -120 bps | |
| Efficiency Ratio | 68.89% | 67.25% | 64.11% | 65.55% | 65.94% | 68.91% | 67.86% | 59.16% | -640 bps | |
| Non-Interest Burden | 2.03% | 2.03% | 1.99% | 1.97% | 2.22% | 1.01% | 1.21% | 1.13% | -85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.37% | 11.60% | 18.46% | 16.23% | 17.01% | 8.13% | 9.36% | 16.04% | -20 bps | |
| Loan Growth (YoY) | 8.49% | 18.65% | 20.40% | 16.29% | 8.49% | -4.97% | -3.21% | -5.80% | -2,209 bps | |
| Deposit Growth (YoY) | 3.34% | 7.31% | 15.01% | 18.09% | 18.02% | 15.08% | 16.59% | 18.53% | +44 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.38% | 1.14% | 1.12% | 2.66% | 2.42% | 2.32% | 1.52% | +40 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.08% | -0.06% | 0.03% | 0.01% | 0.00% | -0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 1.46% | 1.42% | 1.49% | 1.42% | 1.45% | 0.00% | 0.01% | 0.29% | -114 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.7x | 1.3x | 1.3x | 0.5x | 0.0x | 0.0x | 0.2x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.72% | 9.77% | 10.45% | 10.49% | 10.82% | 9.98% | 9.81% | 9.81% | -68 bps | |
| Total Risk-Based Capital | 16.85% | 15.56% | 17.45% | 17.53% | 18.05% | 16.19% | 15.80% | 17.05% | -48 bps | |
| Equity / Assets | 11.69% | 11.05% | 11.05% | 11.26% | 11.23% | 9.86% | 9.57% | 9.54% | -172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.50% | 73.43% | 70.61% | 67.58% | 64.81% | 60.63% | 58.62% | 53.71% | -1,387 bps | |
| Liquid Assets / Assets | 2.71% | 6.68% | 9.63% | 4.18% | 5.78% | 3.71% | 5.12% | 6.37% | +219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |