Wichita Falls, TX · Cert 57621
FDIC · 7 branches
Q2 2019
Market Position · Wichita Falls, TX · 2019 SOD (annual) · 14.5% share · #3 of 14 inst. · $0.4B of $2.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 0.97% | 1.87% | 1.85% | 2.02% | 2.03% | 0.47% | 2.12% | +27 bps | |
| Return on Equity | 15.42% | 8.93% | 16.83% | 16.66% | 18.03% | 17.13% | 2.85% | 10.09% | -658 bps | |
| Net Interest Margin | 4.65% | 4.60% | 4.56% | 4.62% | 4.53% | 4.65% | 1.62% | 5.13% | +51 bps | |
| Efficiency Ratio | 44.67% | 47.20% | 45.58% | 47.00% | 43.51% | 43.82% | 56.05% | 37.26% | -974 bps | |
| Non-Interest Burden | 1.94% | 2.07% | 1.95% | 2.05% | 1.72% | 1.87% | 0.83% | 1.68% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.66% | 8.66% | 5.62% | 2.56% | 0.20% | -2.36% | 6.24% | 2.18% | -37 bps | |
| Loan Growth (YoY) | 15.61% | 7.09% | 1.54% | 0.38% | -4.24% | -4.10% | -2.04% | -6.09% | -647 bps | |
| Deposit Growth (YoY) | 15.83% | 15.26% | 12.64% | 7.51% | 2.36% | 4.32% | 3.10% | -2.47% | -998 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.53% | 0.43% | 0.50% | 0.73% | 0.66% | 1.07% | 1.18% | +68 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.80% | 0.04% | -0.32% | 0.33% | 0.03% | 0.00% | -0.01% | +32 bps | |
| Allowance / Loans | 1.18% | 1.06% | 1.14% | 1.24% | 1.20% | 1.27% | 0.01% | 0.10% | -114 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 2.6x | 2.5x | 1.6x | 1.9x | 0.0x | 0.1x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.74% | 11.05% | 11.06% | 11.37% | 11.83% | 10.47% | 11.23% | +17 bps | |
| Total Risk-Based Capital | 13.71% | 14.09% | 14.80% | 14.69% | 15.21% | 16.22% | 12.71% | 14.13% | -56 bps | |
| Equity / Assets | 10.78% | 11.00% | 11.17% | 11.00% | 11.46% | 12.25% | 20.45% | 21.64% | +1,064 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.67% | 108.15% | 102.75% | 105.31% | 105.40% | 99.43% | 97.63% | 101.39% | -392 bps | |
| Liquid Assets / Assets | 6.90% | 8.71% | 11.74% | 11.35% | 11.31% | 10.51% | 6.94% | 6.33% | -501 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |