Brownfield, TX · Cert 3116
FDIC · 5 branches
Q1 2024
Market Position · Lubbock, TX · 2023 SOD (annual) · 1.8% share · #13 of 27 inst. · $0.2B of $12.7B
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.45% | 2.40% | 2.24% | 2.07% | 0.09% | -236 bps | |
| Return on Equity | 23.23% | 21.73% | 19.91% | 18.37% | 0.82% | -2,241 bps | |
| Net Interest Margin | 4.32% | 4.47% | 4.38% | 4.16% | 3.84% | -48 bps | |
| Efficiency Ratio | 27.17% | 28.80% | 33.47% | 37.38% | 96.60% | +6,943 bps | |
| Non-Interest Burden | 1.09% | 1.19% | 1.37% | 1.47% | 3.69% | +260 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.16% | -2.16% | -8.39% | -4.29% | 0.01% | -1,015 bps | |
| Loan Growth (YoY) | 20.35% | 14.86% | 16.44% | 8.11% | 4.20% | -1,615 bps | |
| Deposit Growth (YoY) | 9.40% | -4.73% | -10.69% | -5.68% | 0.84% | -856 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.09% | -0.06% | -0.05% | 0.35% | +35 bps | |
| Allowance / Loans | 1.16% | 1.21% | 1.19% | 1.21% | 1.14% | -2 bps | |
| Allowance Coverage of NPLs | 1491.9x | 3252.0x | 6524.0x | n/a | 5.1x | -1486.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.66% | 12.05% | 11.66% | 11.56% | 9.37% | -129 bps | |
| Total Risk-Based Capital | 13.19% | 13.64% | 12.93% | 13.54% | 11.48% | -170 bps | |
| Equity / Assets | 10.78% | 12.25% | 11.87% | 11.39% | 9.46% | -132 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.76% | 95.88% | 98.18% | 89.17% | 86.55% | +279 bps | |
| Liquid Assets / Assets | 18.60% | 7.89% | 6.38% | 14.13% | 16.26% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |