Financial Highlights

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Financial Highlights

Consolidated Financial Highlights - December 31, 2018 (unaudited)

Net Income

$6,001,162

Total Assets

$752,387,142

Required Regulation F Information

 

Leverage Ratio

13.90%

Tier 1 Risk Based Capital Ratio

21.53%

Total Risk Based Capital Ratio

22.74%

Risk Based Assets to Capital Status-See Note Below

Well Capitalized

Loan Loss Reserve to NonPerforming Loans (inc. TDRs)

363.77%,

Loan Loss Reserve to NonPerforming Assets

363.77%

Loan Loss Reserve to Total Loans

2.20%

NonPerforming Assets to Total Assets

0.28%

Loans 30 Days and Over Past Due and Accruing to Total Loans

0.11%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines

12/31/18

9/30/18

6/30/18

3/31/18

12/31/17

Tier 1 Leverage

13.90%

14.04%

13.20%

12.13%

12.51%

Tier 1 Risk Based Capital

21.53%

23.24%

24.06%

23.11%

21.68%

Total Risk Based Capital

22.74%

24.42%

25.26%

24.29%

22.81%

NPAs to Total Assets

0.28%

0.29%

0.32%

0.28%

0.53%

Loan Loss Reserve to Total Loans

2.20%

2.42%

2.46%

2.49%

2.85%

Texas Ratio

1.90%

1.96%

2.11%

2.18%

3.81%

Return on Average Assets

.80%

.79%

.90%

1.09%

0.40%

Return on Average Equity

6.10%

6.09%

7.22%

9.10%

3.16%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - December 31, 2018
77/A

Note: Per Regulation F, a bank is considered adequately capitalized if:

  1. Its leverage ratio is 4% or greater,
  2. Its Tier 1 Risk Based Capital Ratio is 4% or greater; and
  3. Its Total Risk Based Capital Ratio is 8% or greater.