Childress, TX · Cert 3134
FDIC · 3 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 1.45% | 0.71% | 0.71% | 0.92% | 1.95%1 | 0.51% | 0.72% | 0 bps | |
| Return on Equity | 6.87% | 16.63% | 8.23% | 8.26% | 10.28% | 21.56% | 6.10% | 9.22% | +96 bps | |
| Net Interest Margin | 2.37% | 3.01% | 2.16% | 2.04% | 2.11% | 1.93% | 1.71% | 2.00% | -5 bps | |
| Efficiency Ratio | 75.35% | 57.11% | 72.29% | 69.59% | 67.52% | 77.88% | 74.79% | 66.21% | -338 bps | |
| Non-Interest Burden | 1.73% | 1.63% | 1.45% | 1.35% | 1.32% | 1.48% | 1.21% | 1.26% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.70% | 7.26% | 9.19% | 21.36% | 17.16% | 16.70% | 20.07% | 13.53% | -783 bps | |
| Loan Growth (YoY) | 4.17% | 7.60% | 5.88% | 12.51% | 11.68% | 7.38% | 7.77% | -5.01% | -1,753 bps | |
| Deposit Growth (YoY) | 6.99% | 5.74% | 8.42% | 19.68% | 16.57% | 16.55% | 21.03% | 16.09% | -359 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.01% | 0.02% | 0.00% | 0.09% | 0.11% | 0.15% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.26% | 0.01% | 0.01% | 0.00% | -0.01% | -0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.51% | 0.52% | 0.52% | 0.47% | 0.47% | 0.49% | 0.49% | 0.50% | +3 bps | |
| Allowance Coverage of NPLs | 1.6x | 49.8x | 29.7x | n/a | 5.0x | 4.5x | 3.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 8.97% | 8.68% | 8.04% | 8.04% | 7.89% | 7.82% | 7.60% | -44 bps | |
| Total Risk-Based Capital | 20.34% | 20.58% | 20.79% | 18.77% | 19.28% | 19.66% | 16.90% | 18.51% | -27 bps | |
| Equity / Assets | 8.72% | 8.76% | 8.58% | 8.69% | 9.19% | 8.88% | 7.88% | 7.69% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.97% | 53.63% | 50.45% | 51.57% | 51.71% | 49.41% | 44.92% | 42.19% | -937 bps | |
| Liquid Assets / Assets | 11.55% | 6.01% | 2.27% | 0.39% | 1.75% | 7.33% | 6.73% | 5.91% | +552 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |