Bryan, TX · Cert 58249
FDIC · 5 branches
Q4 2019
Market Position · College Station-Bryan, TX · 2019 SOD (annual) · 9.0% share · #4 of 23 inst. · $0.5B of $6.0B
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.77% | 1.77% | 1.74% | 1.81% | 1.82% | 1.83% | 1.58% | -16 bps | |
| Return on Equity | 16.38% | 17.19% | 17.19% | 16.91% | 16.97% | 16.66% | 16.41% | 13.95% | -296 bps | |
| Net Interest Margin | 3.55% | 3.70% | 3.68% | 3.59% | 3.75% | 3.85% | 3.78% | 3.69% | +10 bps | |
| Efficiency Ratio | 49.54% | 47.93% | 47.80% | 48.97% | 47.08% | 46.80% | 46.45% | 53.90% | +492 bps | |
| Non-Interest Burden | 1.54% | 1.54% | 1.53% | 1.54% | 1.54% | 1.57% | 1.52% | 1.78% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.02% | 6.38% | 7.32% | 12.50% | 7.77% | 9.97% | 4.46% | 2.85% | -965 bps | |
| Loan Growth (YoY) | 2.43% | 2.49% | 8.62% | 11.77% | 12.04% | 10.21% | 8.47% | 6.33% | -544 bps | |
| Deposit Growth (YoY) | 11.55% | 6.15% | 7.04% | 13.01% | 6.80% | 6.03% | 2.48% | 0.62% | -1,240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.03% | 1.27% | +126 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.44% | 1.39% | 1.39% | 1.35% | 1.34% | 1.33% | 1.35% | 1.32% | -3 bps | |
| Allowance Coverage of NPLs | 233.1x | 244.7x | 123.3x | 826.7x | 121.8x | 126.1x | 42.1x | 1.0x | -825.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.15% | 10.55% | 10.79% | 10.42% | 10.71% | 11.39% | 11.67% | 11.68% | +126 bps | |
| Total Risk-Based Capital | 16.37% | 16.52% | 16.51% | 16.46% | 17.06% | 17.32% | 18.13% | 17.95% | +149 bps | |
| Equity / Assets | 10.17% | 10.44% | 10.19% | 10.35% | 10.95% | 11.38% | 11.87% | 12.12% | +177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.22% | 79.64% | 75.39% | 78.05% | 79.96% | 82.79% | 79.80% | 82.48% | +443 bps | |
| Liquid Assets / Assets | 11.96% | 10.13% | 14.82% | 10.70% | 9.49% | 10.08% | 7.55% | 6.90% | -380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |