West, TX · Cert 5580
FDIC · 1 branch
Q3 2019
Market Position · Waco, TX · 2019 SOD (annual) · 1.2% share · #16 of 28 inst. · $0.1B of $5.5B
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.59% | 0.76% | 0.71% | -1.21% | -179 bps | |
| Return on Equity | 7.02% | 7.08% | 9.18% | 8.43% | -14.85% | -2,187 bps | |
| Net Interest Margin | 2.56% | 2.60% | 2.86% | 2.87% | 2.88% | +33 bps | |
| Efficiency Ratio | 74.77% | 74.84% | 69.55% | 71.77% | 132.76% | +5,799 bps | |
| Non-Interest Burden | 1.82% | 1.86% | 1.88% | 1.96% | 3.93% | +211 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.20% | 0.86% | 4.60% | -1.99% | -0.49% | -270 bps | |
| Loan Growth (YoY) | -11.58% | -9.84% | 3.35% | 1.41% | 3.06% | +1,465 bps | |
| Deposit Growth (YoY) | 2.33% | 0.79% | 4.79% | -2.63% | -0.91% | -324 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.91% | 1.74% | 2.90% | 1.39% | 1.09% | -82 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | 0.00% | -0.01% | 0.32% | +34 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.36% | 1.34% | 1.86% | +41 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.5x | 1.0x | 1.7x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.39% | 8.26% | 8.50% | 8.62% | 7.45% | -93 bps | |
| Total Risk-Based Capital | 25.35% | 24.98% | 24.28% | 25.22% | 22.78% | -257 bps | |
| Equity / Assets | 8.37% | 8.31% | 8.23% | 8.70% | 7.38% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.87% | 21.32% | 22.00% | 23.34% | 21.70% | +84 bps | |
| Liquid Assets / Assets | 78.19% | 78.37% | 76.52% | 75.55% | 77.02% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |