Van Alstyne, TX · Cert 5567
FDIC · 7 branches
Q2 2019
Market Position · Sherman-Denison, TX · 2019 SOD (annual) · 7.7% share · #5 of 13 inst. · $0.2B of $2.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.80% | 2.24% | 2.09% | 2.11% | 2.02% | +22 bps | |
| Return on Equity | 16.10% | 19.22% | 17.18% | 17.10% | 17.21% | +111 bps | |
| Net Interest Margin | 4.72% | 5.02% | 5.17% | 5.16% | 5.32% | +59 bps | |
| Efficiency Ratio | 55.08% | 48.80% | 53.86% | 49.95% | 55.07% | -1 bps | |
| Non-Interest Burden | 2.26% | 2.01% | 2.45% | 2.26% | 2.64% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.53% | -1.38% | -3.18% | -0.22% | 0.09% | -444 bps | |
| Loan Growth (YoY) | 7.07% | 7.29% | 10.55% | 13.80% | 11.34% | +427 bps | |
| Deposit Growth (YoY) | 3.34% | -1.49% | -3.68% | -0.43% | 1.61% | -173 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.63% | 0.39% | 0.43% | 0.55% | -7 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.21% | 0.29% | 0.05% | 0.05% | -5 bps | |
| Allowance / Loans | 1.20% | 1.13% | 1.05% | 1.05% | 1.06% | -13 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.8x | 2.7x | 2.5x | 1.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.52% | 11.95% | 12.50% | 12.53% | 11.27% | -24 bps | |
| Total Risk-Based Capital | 15.67% | 15.51% | 15.89% | 15.46% | 14.16% | -151 bps | |
| Equity / Assets | 11.38% | 11.94% | 12.40% | 12.31% | 11.13% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.25% | 94.49% | 96.41% | 99.86% | 97.80% | +855 bps | |
| Liquid Assets / Assets | 14.22% | 10.44% | 7.28% | 6.62% | 7.54% | -669 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |