Austin, TX · Cert 59104
FDIC · 1 branch
Q3 2020
Market Position · Austin-Round Rock-Georgetown, TX · 2020 SOD (annual) · 0.4% share · #30 of 70 inst. · $0.2B 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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.22% | -0.31% | -0.10% | 0.08% | 0.24% | 0.17% | 0.26% | 0.36% | +28 bps | |
| Return on Equity | -3.71% | -1.30% | -0.43% | 0.39% | 1.11% | 0.98% | 1.58% | 2.39% | +201 bps | |
| Net Interest Margin | 2.70% | 3.50% | 3.33% | 3.24% | 3.26% | 3.28% | 2.81% | 2.66% | -58 bps | |
| Efficiency Ratio | 126.49% | 102.54% | 93.65% | 89.89% | 85.38% | 88.36% | 78.45% | 76.61% | -1,328 bps | |
| Non-Interest Burden | 3.44% | 3.59% | 3.11% | 2.90% | 2.77% | 2.89% | 2.18% | 2.02% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 81.42% | 74.73% | 57.62% | 42.73% | 34.55% | 37.79% | 50.32% | 65.42% | +2,269 bps | |
| Loan Growth (YoY) | 90.23% | 88.27% | 70.71% | 46.26% | 46.44% | 47.42% | 74.24% | 76.49% | +3,023 bps | |
| Deposit Growth (YoY) | 163.13% | 124.34% | 86.05% | 59.26% | 46.12% | 47.73% | 62.54% | 80.74% | +2,148 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.84% | 0.87% | 0.90% | 0.95% | 0.93% | 0.94% | 0.87% | 0.90% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.87% | 23.80% | 21.45% | 20.02% | 19.71% | 17.64% | 14.12% | 12.96% | -706 bps | |
| Total Risk-Based Capital | 33.53% | 30.19% | 26.80% | 26.08% | 24.20% | 22.19% | 22.47% | 20.40% | -569 bps | |
| Equity / Assets | 25.70% | 21.89% | 20.53% | 19.88% | 19.47% | 16.30% | 14.07% | 12.48% | -739 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.21% | 83.06% | 87.41% | 87.52% | 96.42% | 82.88% | 93.70% | 85.46% | -206 bps | |
| Liquid Assets / Assets | 24.37% | 30.00% | 23.73% | 17.49% | 11.83% | 19.13% | 11.66% | 17.79% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |