Beeville, TX · Cert 3095
FDIC · 3 branches
Q1 2019
Market Position · San Antonio-New Braunfels, TX · 2018 SOD (annual) · 0.0% share · #49 of 61 inst. · $0.0B of $111.0B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.25% | 1.06% | 1.34% | 1.45% | 1.53% | 1.58% | 1.74% | +39 bps | |
| Return on Equity | 12.42% | 13.62% | 11.80% | 16.12% | 17.15% | 17.96% | 18.47% | 19.48% | +336 bps | |
| Net Interest Margin | 3.90% | 3.90% | 3.56% | 3.89% | 3.96% | 3.92% | 3.86% | 4.31% | +42 bps | |
| Efficiency Ratio | 56.16% | 54.09% | 53.44% | 53.98% | 52.82% | 52.43% | 51.40% | 49.49% | -449 bps | |
| Non-Interest Burden | 2.04% | 1.84% | 1.69% | 1.96% | 1.95% | 1.92% | 1.85% | 2.00% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 18.91% | 20.72% | 19.45% | 10.44% | 12.87% | 12.42% | 10.99% | -846 bps | |
| Loan Growth (YoY) | 13.24% | 8.53% | 10.17% | 8.90% | 7.32% | 12.78% | 12.96% | 9.21% | +31 bps | |
| Deposit Growth (YoY) | 18.72% | 20.00% | 21.72% | 23.51% | 10.66% | 13.40% | 12.23% | 9.92% | -1,359 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.21% | 1.06% | 1.76% | 1.06% | 0.12% | 0.00% | 0.00% | 0.00% | -106 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.23% | 0.20% | 0.32% | 0.14% | 0.10% | 0.07% | 0.00% | -32 bps | |
| Allowance / Loans | 1.16% | 1.20% | 1.18% | 1.13% | 1.20% | 1.20% | 1.16% | 1.19% | +6 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 0.7x | 1.1x | 10.2x | n/a | 3469.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.54% | 9.78% | 8.62% | 8.72% | 8.98% | 9.16% | 9.17% | 9.34% | +63 bps | |
| Total Risk-Based Capital | 13.33% | 13.88% | 12.62% | 12.78% | 13.41% | 13.50% | 13.49% | 14.07% | +129 bps | |
| Equity / Assets | 8.96% | 9.13% | 8.31% | 8.37% | 8.74% | 8.71% | 8.70% | 9.12% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.93% | 75.10% | 74.93% | 76.36% | 75.58% | 74.69% | 75.42% | 75.87% | -49 bps | |
| Liquid Assets / Assets | 11.34% | 10.89% | 6.91% | 10.14% | 10.29% | 12.12% | 11.12% | 11.96% | +182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |