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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.23% | 1.87% | 1.83% | 1.97% | 2.00% | 2.11% | 2.06% | +23 bps | |
| Return on Equity | 12.76% | 11.57% | 17.35% | 16.68% | 17.55% | 17.43% | 17.10% | 17.29% | +61 bps | |
| Net Interest Margin | 4.42% | 4.28% | 4.47% | 4.60% | 4.76% | 4.87% | 5.16% | 5.21% | +61 bps | |
| Efficiency Ratio | 57.13% | 57.76% | 51.62% | 53.40% | 51.78% | 52.32% | 49.95% | 52.56% | -85 bps | |
| Non-Interest Burden | 2.21% | 2.18% | 1.98% | 2.12% | 2.09% | 2.19% | 2.26% | 2.44% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.28% | 9.40% | 5.95% | 4.53% | -1.38% | -3.18% | -0.22% | 0.09% | -444 bps | |
| Loan Growth (YoY) | 7.36% | 6.94% | 5.51% | 7.07% | 7.29% | 10.55% | 13.80% | 11.34% | +427 bps | |
| Deposit Growth (YoY) | 8.75% | 9.34% | 5.06% | 3.34% | -1.49% | -3.68% | -0.43% | 1.61% | -173 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.35% | 0.61% | 0.63% | 0.63% | 0.39% | 0.43% | 0.55% | -7 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | -0.02% | 0.04% | 0.10% | 0.15% | 0.05% | 0.05% | +1 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.19% | 1.20% | 1.13% | 1.05% | 1.05% | 1.06% | -13 bps | |
| Allowance Coverage of NPLs | 2.3x | 3.4x | 2.0x | 1.9x | 1.8x | 2.7x | 2.5x | 1.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 10.73% | 11.06% | 11.52% | 11.95% | 12.50% | 12.53% | 11.27% | -24 bps | |
| Total Risk-Based Capital | 14.62% | 15.05% | 15.26% | 15.67% | 15.51% | 15.89% | 15.46% | 14.16% | -151 bps | |
| Equity / Assets | 10.63% | 10.60% | 10.96% | 11.38% | 11.94% | 12.40% | 12.31% | 11.13% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.76% | 84.00% | 87.37% | 89.25% | 94.49% | 96.41% | 99.86% | 97.80% | +855 bps | |
| Liquid Assets / Assets | 15.63% | 18.22% | 16.06% | 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 | n/a | n/a | n/a |