Gatesville, TX · Cert 3214
FDIC · 7 branches
Q1 2021
Market Position · Killeen-Temple, TX · 2020 SOD (annual) · 10.2% share · #4 of 20 inst. · $0.6B of $5.8B
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.93% | 0.99% | 1.04% | 0.79% | 1.08% | 0.90% | 0.92% | -12 bps | |
| Return on Equity | 7.83% | 8.77% | 9.28% | 9.66% | 7.61% | 10.45% | 8.82% | 9.47% | -19 bps | |
| Net Interest Margin | 3.82% | 3.91% | 3.97% | 4.08% | 3.59% | 3.41% | 3.33% | 3.18% | -90 bps | |
| Efficiency Ratio | 72.50% | 70.81% | 69.68% | 67.91% | 68.81% | 64.78% | 69.49% | 68.38% | +47 bps | |
| Non-Interest Burden | 2.60% | 2.57% | 2.57% | 2.57% | 2.30% | 1.93% | 2.10% | 2.02% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.45% | 4.08% | 6.95% | 5.13% | 16.55% | 16.13% | 16.46% | 18.23% | +1,309 bps | |
| Loan Growth (YoY) | 12.98% | 11.42% | 11.74% | 10.98% | 10.74% | 10.30% | 5.54% | 1.63% | -936 bps | |
| Deposit Growth (YoY) | 0.69% | 3.62% | 6.77% | 4.68% | 17.65% | 17.01% | 17.72% | 19.95% | +1,527 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.95% | 0.59% | 0.61% | 0.56% | 1.54% | 1.49% | 1.46% | 1.55% | +99 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.03% | 0.07% | 0.06% | 0.04% | 0.02% | -0.01% | -8 bps | |
| Allowance / Loans | 1.43% | 1.45% | 1.44% | 1.46% | 1.57% | 1.59% | 1.65% | 1.67% | +21 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.5x | 2.4x | 2.6x | 1.0x | 1.1x | 1.1x | 1.1x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.79% | 11.00% | 10.98% | 9.98% | 9.87% | 9.74% | 9.70% | -128 bps | |
| Total Risk-Based Capital | 15.42% | 14.86% | 14.96% | 15.16% | 15.21% | 14.78% | 14.95% | 15.34% | +18 bps | |
| Equity / Assets | 10.70% | 10.62% | 10.78% | 10.70% | 9.85% | 9.99% | 9.94% | 9.55% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.18% | 71.08% | 73.51% | 72.95% | 67.00% | 67.00% | 65.91% | 61.80% | -1,114 bps | |
| Liquid Assets / Assets | 7.19% | 7.25% | 5.76% | 11.78% | 16.45% | 13.80% | 12.61% | 17.64% | +586 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |