Austin, TX · Cert 58545
FDIC · 1 branch
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Austin, TX · Cert 58545
FDIC · 1 branch
Q1 2021
Market Position · Austin-Round Rock-Georgetown, TX · 2020 SOD (annual) · 0.2% share · #42 of 70 inst. · $0.1B of $51.3B
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.40% | 0.34% | -1.03% | -0.32% | 0.01% | 0.24% | 2.50% | +353 bps | |
| Return on Equity | 4.13% | 3.13% | 2.60% | -6.64% | -2.23% | 0.04% | 1.73% | 16.18% | +2,282 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.30% | 3.28% | 3.65% | 3.96% | 3.80% | 4.64% | +136 bps | |
| Efficiency Ratio | 81.05% | 84.74% | 86.70% | 96.48% | 82.20% | 83.78% | 84.20% | 67.06% | -2,942 bps | |
| Non-Interest Burden | 2.57% | 2.80% | 2.83% | 3.17% | 2.44% | 2.72% | 3.01% | 3.10% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.44% | -7.90% | -18.10% | -22.64% | 24.04% | 14.92% | 6.06% | 6.87% | +2,951 bps | |
| Loan Growth (YoY) | -12.64% | -9.76% | -11.34% | -10.59% | 33.48% | 38.83% | 26.50% | 10.58% | +2,117 bps | |
| Deposit Growth (YoY) | -11.22% | -10.95% | -21.45% | -26.34% | 0.43% | -8.90% | -3.87% | 6.65% | +3,299 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.37% | 1.36% | 1.79% | 1.56% | 0.94% | 0.87% | 1.00% | 1.12% | -44 bps | |
| Net Charge-Offs / Loans | -0.14% | -0.26% | -0.22% | 1.26% | 0.40% | 0.26% | 0.22% | -0.01% | -127 bps | |
| Allowance / Loans | 2.24% | 2.41% | 2.63% | 2.89% | 2.20% | 2.04% | 2.25% | 1.93% | -97 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 1.5x | 1.9x | 2.3x | 2.4x | 2.2x | 1.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.50% | 14.48% | 14.63% | 15.19% | 14.34% | 14.96% | 14.05% | 15.74% | +55 bps | |
| Total Risk-Based Capital | 21.58% | 21.91% | 23.57% | 23.26% | 16.78% | 16.93% | 20.24% | 22.95% | -31 bps | |
| Equity / Assets | 14.43% | 13.88% | 14.91% | 16.19% | 12.20% | 12.63% | 14.77% | 16.19% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.15% | 70.88% | 70.05% | 75.46% | 101.21% | 108.02% | 92.17% | 78.24% | +278 bps | |
| Liquid Assets / Assets | 7.45% | 13.92% | 13.99% | 9.65% | 11.08% | 8.30% | 11.12% | 14.36% | +471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |