Baird, TX · Cert 3086
FDIC · 10 branches
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Baird, TX · Cert 3086
FDIC · 10 branches
Q4 2020
Market Position · Abilene, TX · 2020 SOD (annual) · 8.2% share · #4 of 19 inst. · $0.3B of $3.6B
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.27% | 0.27% | 0.45% | 0.77% | 0.84% | 0.94% | 1.07% | +63 bps | |
| Return on Equity | 0.11% | 2.83% | 2.79% | 4.56% | 8.01% | 9.37% | 10.73% | 12.03% | +747 bps | |
| Net Interest Margin | 4.73% | 5.03% | 5.04% | 5.00% | 4.61% | 4.22% | 4.34% | 4.34% | -66 bps | |
| Efficiency Ratio | 74.30% | 72.78% | 78.93% | 77.11% | 77.30% | 72.92% | 71.04% | 68.98% | -812 bps | |
| Non-Interest Burden | 3.33% | 3.46% | 3.82% | 3.68% | 3.41% | 2.65% | 2.57% | 2.78% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.64% | 1.89% | -3.17% | -0.09% | 6.88% | 27.87% | 30.74% | 13.85% | +1,393 bps | |
| Loan Growth (YoY) | 9.27% | 5.10% | -3.70% | -1.96% | -2.37% | 10.54% | 17.89% | 11.27% | +1,323 bps | |
| Deposit Growth (YoY) | 3.21% | 2.95% | 0.94% | 3.45% | -0.12% | 15.48% | 17.25% | 14.54% | +1,109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.18% | 1.90% | 1.81% | 2.15% | 1.66% | 1.43% | 0.97% | 1.80% | -35 bps | |
| Net Charge-Offs / Loans | 1.45% | 1.47% | 1.03% | 0.91% | 0.06% | 0.02% | 0.06% | 0.08% | -83 bps | |
| Allowance / Loans | 1.03% | 1.01% | 1.07% | 1.00% | 1.03% | 1.05% | 1.01% | 1.05% | +6 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 0.6x | 0.5x | 0.6x | 0.7x | 1.0x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.92% | 10.23% | 10.07% | 10.28% | 9.80% | 8.83% | 9.31% | 9.53% | -76 bps | |
| Total Risk-Based Capital | 12.58% | 13.09% | 13.02% | 13.08% | 12.88% | 13.65% | 13.88% | 14.12% | +103 bps | |
| Equity / Assets | 9.49% | 9.66% | 10.16% | 10.03% | 9.15% | 7.94% | 8.31% | 9.56% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.79% | 94.68% | 94.88% | 93.71% | 94.60% | 90.64% | 95.40% | 91.04% | -268 bps | |
| Liquid Assets / Assets | 4.13% | 4.53% | 4.47% | 4.50% | 9.74% | 11.73% | 11.92% | 4.17% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |