El Paso, TX · Cert 57119
FDIC · 4 branches
Q1 2022
Market Position · El Paso, TX · 2021 SOD (annual) · 2.5% share · #8 of 16 inst. · $0.3B of $11.2B
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.17% | 1.21% | 1.67% | 1.33% | 1.26% | 1.21% | 1.05% | -62 bps | |
| Return on Equity | 10.17% | 10.43% | 10.73% | 14.74% | 11.98% | 11.45% | 11.05% | 9.81% | -493 bps | |
| Net Interest Margin | 3.95% | 4.11% | 4.36% | 4.71% | 4.00% | 3.80% | 3.76% | 3.31% | -140 bps | |
| Efficiency Ratio | 62.17% | 60.49% | 58.73% | 49.17% | 55.20% | 59.69% | 61.94% | 61.35% | +1,218 bps | |
| Non-Interest Burden | 2.36% | 2.40% | 2.46% | 2.07% | 2.05% | 2.14% | 2.22% | 1.93% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.74% | 17.76% | 19.22% | 21.10% | 5.88% | 7.12% | 18.53% | 8.07% | -1,302 bps | |
| Loan Growth (YoY) | 29.22% | 28.03% | 15.36% | 11.86% | -12.40% | -14.59% | -10.84% | -14.78% | -2,664 bps | |
| Deposit Growth (YoY) | 32.18% | 22.29% | 26.48% | 25.28% | 8.24% | 7.17% | 20.39% | 9.14% | -1,614 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.47% | 0.51% | +51 bps | |
| Net Charge-Offs / Loans | 0.50% | 0.34% | 0.27% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.22% | 1.37% | 1.70% | 1.93% | 1.96% | 2.03% | 2.10% | 2.27% | +33 bps | |
| Allowance Coverage of NPLs | 2.7x | n/a | 98.0x | n/a | n/a | n/a | 4.5x | 4.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.09% | 10.47% | 11.20% | 11.52% | 10.96% | 10.74% | 11.07% | 11.39% | -13 bps | |
| Total Risk-Based Capital | 14.51% | 15.09% | 15.67% | 16.41% | 17.29% | 17.45% | 17.80% | 18.88% | +246 bps | |
| Equity / Assets | 10.12% | 10.49% | 11.54% | 11.16% | 10.64% | 10.88% | 10.66% | 10.76% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.77% | 89.73% | 89.36% | 81.65% | 74.28% | 71.52% | 66.18% | 63.76% | -1,789 bps | |
| Liquid Assets / Assets | 0.16% | 0.13% | 0.09% | 0.08% | 0.19% | 0.70% | 0.80% | 0.24% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |