Paducah, TX · Cert 3377
FDIC · 2 branches
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.11% | 0.16% | 0.21% | 0.30% | -0.73% | -0.26% | -0.19% | -39 bps | |
| Return on Equity | -2.47% | -1.32% | 1.88% | 2.48% | 3.57% | -8.26% | -2.85% | -1.98% | -446 bps | |
| Net Interest Margin | 2.90% | 3.24% | 3.43% | 3.61% | 3.52% | 3.77% | 3.91% | 4.05% | +44 bps | |
| Efficiency Ratio | 103.29% | 102.74% | 96.11% | 95.02% | 92.10% | 106.24% | 96.57% | 94.97% | -5 bps | |
| Non-Interest Burden | 3.02% | 3.35% | 3.26% | 3.39% | 3.18% | 4.06% | 3.75% | 3.80% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.74% | 5.71% | -2.83% | -3.11% | 4.01% | -2.93% | -3.75% | -7.35% | -424 bps | |
| Loan Growth (YoY) | 15.03% | 23.26% | 22.23% | 9.04% | 9.79% | 9.63% | 3.37% | 6.17% | -287 bps | |
| Deposit Growth (YoY) | 11.93% | 6.17% | -2.91% | -3.07% | 4.05% | -4.12% | -5.30% | -9.27% | -620 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.03% | 0.93% | 0.98% | 0.88% | 2.98% | 1.32% | 0.63% | -35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.27% | 0.10% | 0.08% | 0.06% | 0.37% | 0.30% | 0.43% | +35 bps | |
| Allowance / Loans | 1.24% | 1.16% | 1.25% | 1.31% | 1.32% | 1.25% | 1.26% | 1.26% | -5 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.3x | 1.3x | 1.5x | 0.4x | 1.0x | 2.0x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.17% | 9.50% | 9.91% | 9.68% | 9.55% | 9.84% | 10.08% | +18 bps | |
| Total Risk-Based Capital | 14.39% | 15.38% | 14.77% | 15.42% | 15.22% | 15.00% | 16.33% | 15.57% | +16 bps | |
| Equity / Assets | 8.52% | 8.16% | 8.56% | 8.22% | 8.48% | 9.28% | 10.03% | 10.13% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.77% | 61.81% | 70.47% | 64.22% | 64.12% | 70.67% | 76.93% | 75.14% | +1,093 bps | |
| Liquid Assets / Assets | 2.68% | 1.35% | 0.58% | 5.04% | 1.02% | 2.63% | 1.89% | 2.79% | -225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |