Littlefield, TX · Cert 3304
FDIC · 25 branches
Q3 2020
Market Position · Lubbock, TX · 2020 SOD (annual) · 2.4% share · #11 of 27 inst. · $0.2B of $10.1B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.49% | 1.48% | 2.39%1 | 1.23% | 1.43% | -6 bps | |
| Return on Equity | 13.40% | 13.41% | 21.66% | 11.14% | 12.54% | -87 bps | |
| Net Interest Margin | 3.93% | 3.91% | 4.06% | 4.00% | 3.96% | +3 bps | |
| Efficiency Ratio | 54.91% | 55.33% | 60.73% | 49.53% | 49.42% | -550 bps | |
| Non-Interest Burden | 1.91% | 1.89% | 2.26% | 1.83% | 1.78% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.24% | 26.75% | 28.40% | 35.65% | 19.78% | +654 bps | |
| Loan Growth (YoY) | 3.54% | 18.27% | 16.38% | 18.85% | 12.71% | +917 bps | |
| Deposit Growth (YoY) | 11.70% | 25.22% | 27.89% | 35.34% | 18.57% | +686 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.07% | 0.07% | 0.11% | 0.70% | +65 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.04% | 0.01% | 0.01% | -4 bps | |
| Allowance / Loans | 1.19% | 1.13% | 1.25% | 1.46% | 1.66% | +47 bps | |
| Allowance Coverage of NPLs | 23.9x | 16.9x | 19.1x | 13.0x | 2.4x | -21.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.61% | 9.50% | 9.83% | 9.61% | 9.72% | +11 bps | |
| Total Risk-Based Capital | 14.51% | 13.98% | 9.83% | 9.61% | 9.72% | -479 bps | |
| Equity / Assets | 10.96% | 11.12% | 10.99% | 11.15% | 11.75% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.98% | 75.18% | 73.28% | 70.49% | 71.27% | -370 bps | |
| Liquid Assets / Assets | 8.77% | 7.23% | 11.38% | 17.06% | 13.33% | +457 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |