Financial Highlights
Financial Highlights
Consolidated Financial Highlights - June 30, 2020 (Unaudited)
| Assets | $857,002,875 |
| Net Income | ($484,190) |
| Leverage Ratio | 12.70% |
| Tier 1 Risk Based Ratio | 21.92% |
| Total Risk Based Ratio |
23.07% |
| |
|
| Loan Loss Reserve to NPL | 911.88% |
| Loan Loss Reserve to NPA | 911.88% |
| Loan Loss Reserve to Loans | 2.62 % |
| NPA to Total Assets | 0.13% |
| Loans 30 Days Past Due | - |
Additional Information for Correspondent Guidance
| Ratio Trend Lines | 6/30/20 |
3/31/20 |
12/31/19 |
9/30/19 |
6/30/19 |
|
Tier 1 Leverage |
12.70% |
12.97% |
12.67% |
12.69% |
13.33% |
|
Tier 1 Risk Based Capital |
21.92% |
21.50% |
21.51% |
21.40% |
21.29% |
|
Total Risk Based Capital |
23.07% |
22.76% |
22.74% |
22.61% |
22.50% |
|
NPAs to Total Assets |
0.13% |
0.14% |
0.14% |
0.14% |
0.14% |
|
Loan Loss Reserve to Total Loans |
2.62% |
2.42% |
2.19% |
2.16% |
2.24% |
|
Texas Ratio |
.95% |
0.96% |
.99% |
1.01% |
1.13% |
|
Return on Average Assets |
(.12%) |
0.14% |
.28% |
.52% |
.78% |
|
Return on Average Equity |
(.92%) |
1.04% |
2.10% |
3.91% |
5.73% |
Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - June, 2020 is 43/B.
This is down from 50/B+ in March 2020.
Note: Per Regulation F, a bank is considered adequately capitalized if:
- Its leverage ratio is 4% or greater,
- Its Tier 1 Risk Based Capital Ratio is 4% or greater; and
- Its Total Risk Based Capital Ratio is 8% or greater.
