McAllen, TX · Cert 25879
FDIC · 20 branches
Q3 2018
Market Position · McAllen-Edinburg-Mission, TX · 2018 SOD (annual) · 8.9% share · #4 of 21 inst. · $0.8B of $9.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.75% | 1.62% | 1.54% | 1.63% | +11 bps | |
| Return on Equity | 10.23% | 11.40% | 10.63% | 9.91% | 10.28% | +5 bps | |
| Net Interest Margin | 4.87% | 4.35% | 4.44% | 4.54% | 4.96% | +10 bps | |
| Efficiency Ratio | 56.16% | 53.91% | 53.62% | 54.41% | 58.16% | +200 bps | |
| Non-Interest Burden | 2.44% | 2.03% | 2.03% | 2.15% | 2.60% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.84% | -15.37% | -9.88% | -7.81% | -3.80% | +1,304 bps | |
| Loan Growth (YoY) | -2.69% | -4.73% | 0.87% | 2.43% | 6.66% | +934 bps | |
| Deposit Growth (YoY) | -2.47% | -10.77% | -6.48% | -4.75% | -3.76% | -130 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.18% | 0.50% | 0.42% | 0.50% | +34 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.16% | 0.01% | 0.01% | 0.01% | +3 bps | |
| Allowance / Loans | 0.13% | 0.18% | 0.29% | 0.43% | 0.52% | +40 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 0.6x | 1.0x | 1.1x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.50% | 14.32% | 14.72% | 14.89% | 15.29% | +79 bps | |
| Total Risk-Based Capital | 19.06% | 18.36% | 18.18% | 18.84% | 18.93% | -14 bps | |
| Equity / Assets | 15.39% | 15.27% | 15.29% | 15.86% | 15.91% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.06% | 87.22% | 89.42% | 91.48% | 90.94% | +888 bps | |
| Liquid Assets / Assets | 11.59% | 7.12% | 6.09% | 4.94% | 6.35% | -524 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |