Lubbock, TX · Cert 58608
FDIC · 3 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Lubbock, TX · Cert 58608
FDIC · 3 branches
Q1 2018
Market Position · Lubbock, TX · 2017 SOD (annual) · 1.4% share · #15 of 28 inst. · $0.1B of $8.4B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.42% | 0.81% | 0.00% | -0.13% | 0.07% | 0.29% | -0.51% | -52 bps | |
| Return on Equity | 3.36% | 3.36% | 6.40% | 0.02% | -0.92% | 0.47% | 1.96% | -3.15% | -318 bps | |
| Net Interest Margin | 3.84% | 3.76% | 3.81% | 3.65% | 3.70% | 3.84% | 3.80% | 4.30% | +65 bps | |
| Efficiency Ratio | 80.63% | 81.18% | 79.87% | 104.51% | 92.49% | 89.75% | 86.06% | 64.33% | -4,018 bps | |
| Non-Interest Burden | 2.97% | 2.93% | 2.91% | 3.72% | 3.33% | 3.34% | 3.16% | 2.60% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 5.96% | -8.40% | -8.19% | -9.93% | -13.51% | -10.90% | -13.80% | -561 bps | |
| Loan Growth (YoY) | 6.03% | 4.80% | -4.17% | -10.28% | -12.07% | -14.49% | -13.22% | -10.71% | -43 bps | |
| Deposit Growth (YoY) | 2.15% | 8.82% | -10.80% | -8.25% | -9.55% | -14.69% | -10.62% | -14.93% | -668 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.85% | 1.30% | 0.95% | 2.70% | 0.65% | -20 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.08% | -0.30% | 0.25% | 0.78% | 0.62% | 0.33% | 1.10% | +84 bps | |
| Allowance / Loans | 1.70% | 1.75% | 1.48% | 1.42% | 1.54% | 1.53% | 1.73% | 1.62% | +21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 1.7x | 1.2x | 1.6x | 0.6x | 2.5x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 10.40% | 11.28% | 11.93% | 11.94% | 12.61% | 12.98% | 13.68% | +176 bps | |
| Total Risk-Based Capital | 13.49% | 14.01% | 15.62% | 15.91% | 16.60% | 17.45% | 18.26% | 18.07% | +216 bps | |
| Equity / Assets | 12.56% | 12.58% | 13.87% | 14.12% | 14.41% | 15.04% | 15.93% | 16.77% | +265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.92% | 89.22% | 94.85% | 94.40% | 91.30% | 89.43% | 92.09% | 99.09% | +469 bps | |
| Liquid Assets / Assets | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.60% | 0.00% | 0.32% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |