Abilene, TX · Cert 57757
FDIC
Q2 2024
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 41.64% | 40.90% | 40.53% | 40.69% | 40.50% | -115 bps | |
| Return on Equity | 42.39% | 41.52% | 41.11% | 41.62% | 41.29% | -109 bps | |
| Net Interest Margin | 2.37% | 2.30% | 2.21% | 2.05% | 2.08% | -29 bps | |
| Efficiency Ratio | 35.05% | 35.45% | 35.87% | 35.49% | 35.24% | +19 bps | |
| Non-Interest Burden | -48.48% | -46.17% | -45.48% | -49.47% | -47.53% | +95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.32% | 26.74% | 18.07% | 18.02% | 21.67% | -464 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 103.39% | 103.68% | 102.08% | 104.14% | 103.59% | +20 bps | |
| Total Risk-Based Capital | 455% | 373% | 373% | 363% | 370% | -8,421 bps | |
| Equity / Assets | 99.49% | 99.23% | 98.91% | 96.71% | 98.64% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |