Bandera, TX · Cert 58932
FDIC · 4 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Bandera, TX · Cert 58932
FDIC · 4 branches
Q3 2020
Market Position · San Antonio-New Braunfels, TX · 2020 SOD (annual) · 0.1% share · #44 of 61 inst. · $0.1B of $141.7B
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.70% | 0.76% | 0.86% | 0.90% | 0.84% | 0.81% | 1.09% | +23 bps | |
| Return on Equity | 9.31% | 7.38% | 7.93% | 8.90% | 9.44% | 9.11% | 9.21% | 12.40% | +350 bps | |
| Net Interest Margin | 3.43% | 3.60% | 3.66% | 3.70% | 3.64% | 3.65% | 3.29% | 3.42% | -28 bps | |
| Efficiency Ratio | 68.63% | 75.82% | 73.95% | 72.20% | 70.45% | 72.57% | 60.72% | 60.55% | -1,165 bps | |
| Non-Interest Burden | 2.19% | 2.62% | 2.59% | 2.51% | 2.38% | 2.45% | 1.76% | 1.80% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.22% | 27.70% | 18.38% | 14.48% | 12.76% | 14.28% | 31.49% | 29.87% | +1,539 bps | |
| Loan Growth (YoY) | 19.19% | 16.76% | 21.36% | 25.51% | 19.73% | 11.53% | 39.47% | 41.18% | +1,567 bps | |
| Deposit Growth (YoY) | 31.51% | 29.86% | 19.20% | 14.55% | 12.74% | 14.63% | 33.10% | 31.78% | +1,723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.14% | 0.10% | +10 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 0.86% | 0.85% | 0.85% | 0.86% | 0.90% | 0.95% | 1.00% | 0.93% | +7 bps | |
| Allowance Coverage of NPLs | n/a | 194.8x | n/a | n/a | n/a | n/a | 6.9x | 9.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 9.65% | 9.84% | 9.91% | 9.69% | 9.50% | 8.50% | 8.65% | -126 bps | |
| Total Risk-Based Capital | 13.18% | 13.00% | 12.47% | 12.52% | 12.50% | 9.50% | 8.50% | 8.65% | -387 bps | |
| Equity / Assets | 9.41% | 9.66% | 9.73% | 9.96% | 9.16% | 9.33% | 8.15% | 8.62% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.72% | 84.77% | 89.70% | 93.22% | 84.67% | 82.48% | 94.00% | 99.87% | +665 bps | |
| Liquid Assets / Assets | 18.36% | 13.85% | 8.73% | 7.91% | 15.09% | 16.84% | 2.52% | 0.91% | -701 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |