Naples, TX · Cert 3358
FDIC · 2 branches
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.92% | -0.09% | 0.23% | 0.44% | 1.73% | 1.30% | 1.05% | 0.82% | +39 bps | |
| Return on Equity | -21.25% | -0.95% | 2.39% | 4.38% | 16.13% | 12.04% | 9.62% | 7.40% | +302 bps | |
| Net Interest Margin | 3.54% | 3.76% | 4.07% | 3.97% | 3.83% | 3.70% | 3.36% | 3.34% | -63 bps | |
| Efficiency Ratio | 96.67% | 80.41% | 80.07% | 79.06% | 61.07% | 68.45% | 71.14% | 76.54% | -252 bps | |
| Non-Interest Burden | 3.41% | 2.79% | 3.04% | 2.94% | 1.25% | 2.06% | 2.06% | 2.24% | -70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.18% | -10.04% | -10.21% | -5.92% | -6.52% | 4.95% | 5.39% | -0.65% | +527 bps | |
| Loan Growth (YoY) | -6.86% | -5.34% | -4.84% | -4.66% | -8.57% | -4.35% | -5.24% | -7.56% | -289 bps | |
| Deposit Growth (YoY) | -10.07% | -12.94% | -11.27% | -3.00% | -2.16% | 16.81% | 14.89% | 7.66% | +1,066 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.18% | 2.95% | 3.39% | 2.75% | 3.76% | 3.70% | 4.38% | 5.63% | +288 bps | |
| Net Charge-Offs / Loans | 2.42% | 1.22% | 0.87% | 0.72% | 0.09% | 0.11% | 0.09% | 0.09% | -63 bps | |
| Allowance / Loans | 1.84% | 1.84% | 1.85% | 1.84% | 2.21% | 2.08% | 2.20% | 2.28% | +45 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.5x | 0.7x | 0.6x | 0.6x | 0.5x | 0.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 9.74% | 10.86% | 10.96% | 11.20% | 10.60% | 10.46% | 12.27% | +131 bps | |
| Total Risk-Based Capital | 14.24% | 15.22% | 15.82% | 16.47% | 17.49% | 16.52% | 17.38% | 19.70% | +323 bps | |
| Equity / Assets | 9.00% | 10.25% | 10.61% | 10.87% | 10.61% | 11.02% | 11.21% | 11.89% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.30% | 83.07% | 80.30% | 78.44% | 74.10% | 68.02% | 66.23% | 67.35% | -1,108 bps | |
| Liquid Assets / Assets | 0.00% | 0.02% | 0.06% | 0.03% | 0.02% | 0.05% | 0.44% | 0.03% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |