Mount Vernon, TX · Cert 3355
FDIC · 3 branches
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.22% | 1.31% | 1.33% | 1.39% | 1.41% | 1.47% | 1.73% | +40 bps | |
| Return on Equity | 12.17% | 11.91% | 12.51% | 12.73% | 13.54% | 13.47% | 13.81% | 15.96% | +323 bps | |
| Net Interest Margin | 2.55% | 2.67% | 2.66% | 2.71% | 2.66% | 2.79% | 2.91% | 2.93% | +23 bps | |
| Efficiency Ratio | 60.65% | 59.46% | 56.76% | 56.25% | 55.18% | 55.69% | 54.84% | 51.69% | -456 bps | |
| Non-Interest Burden | 1.38% | 1.38% | 1.27% | 1.29% | 1.28% | 1.35% | 1.38% | 1.14% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | -1.47% | -1.95% | 2.37% | 0.68% | -4.42% | -7.51% | -8.58% | -1,095 bps | |
| Loan Growth (YoY) | 17.52% | 13.00% | 12.61% | 14.38% | 10.23% | 6.03% | 4.18% | 0.08% | -1,431 bps | |
| Deposit Growth (YoY) | -2.83% | -4.54% | -11.14% | -7.72% | -5.41% | -4.50% | -8.82% | -10.06% | -234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.24% | 0.10% | 0.29% | 0.09% | 0.08% | 0.47% | 0.02% | -27 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.09% | 0.07% | -0.02% | -0.01% | 0.02% | 0.01% | -6 bps | |
| Allowance / Loans | 0.85% | 0.92% | 0.94% | 0.96% | 0.98% | 1.00% | 0.99% | 1.00% | +5 bps | |
| Allowance Coverage of NPLs | 8.1x | 3.9x | 9.5x | 3.4x | 11.2x | 11.9x | 2.1x | 62.4x | +59.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 10.62% | 10.68% | 10.53% | 10.53% | 11.27% | 12.02% | 12.11% | +159 bps | |
| Total Risk-Based Capital | 29.46% | 29.65% | 29.81% | 28.60% | 28.67% | 29.96% | 30.60% | 30.55% | +195 bps | |
| Equity / Assets | 10.06% | 10.95% | 11.14% | 10.40% | 10.08% | 10.87% | 11.36% | 11.49% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.97% | 54.49% | 56.01% | 56.85% | 55.90% | 60.50% | 64.00% | 63.26% | +641 bps | |
| Liquid Assets / Assets | 2.19% | 2.18% | 2.31% | 2.05% | 0.45% | 0.12% | 0.18% | 0.28% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |