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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -10.70% | -2.40% | 0.69% | 0.95% | 1.14% | 1.62% | 1.59% | 1.60% | +65 bps | |
| Return on Equity | -44.67% | -16.73% | 4.78% | 6.53% | 7.74% | 10.63% | 10.25% | 10.27% | +374 bps | |
| Net Interest Margin | 3.11% | 3.54% | 2.13% | 3.13% | 3.48% | 4.44% | 4.46% | 4.66% | +153 bps | |
| Efficiency Ratio | 64.71% | 110.39% | 57.04% | 56.59% | 55.74% | 53.62% | 54.02% | 55.47% | -112 bps | |
| Non-Interest Burden | 13.38% | 6.11% | 1.07% | 1.57% | 1.71% | 2.03% | 2.07% | 2.27% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.39% | -16.99% | -16.84% | -16.84% | -15.37% | -9.88% | -7.81% | -3.80% | +1,304 bps | |
| Loan Growth (YoY) | 12.58% | 7.29% | 3.13% | -2.69% | -4.73% | 0.87% | 2.43% | 6.66% | +934 bps | |
| Deposit Growth (YoY) | 0.08% | -10.59% | -8.82% | -2.47% | -10.77% | -6.48% | -4.75% | -3.76% | -130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.87% | 0.54% | 0.16% | 0.18% | 0.50% | 0.42% | 0.50% | +34 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.08% | -0.03% | -0.03% | 0.02% | 0.01% | 0.01% | 0.01% | +4 bps | |
| Allowance / Loans | 1.54% | 1.60% | 0.07% | 0.13% | 0.18% | 0.29% | 0.43% | 0.52% | +40 bps | |
| Allowance Coverage of NPLs | n/a | 1.9x | 0.1x | 0.8x | 1.0x | 0.6x | 1.0x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.81% | 12.48% | 13.28% | 14.50% | 14.32% | 14.72% | 14.89% | 15.29% | +79 bps | |
| Total Risk-Based Capital | 23.60% | 18.96% | 17.73% | 19.06% | 18.36% | 18.18% | 18.84% | 18.93% | -14 bps | |
| Equity / Assets | 16.08% | 12.48% | 14.48% | 15.39% | 15.27% | 15.29% | 15.86% | 15.91% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.69% | 82.90% | 85.07% | 82.06% | 87.22% | 89.42% | 91.48% | 90.94% | +888 bps | |
| Liquid Assets / Assets | 7.51% | 5.03% | 10.03% | 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 | n/a | n/a | n/a |