Financial Highlights
Annual Report
Financial Highlights
Consolidated Financial Highlights - December 31, 2018
| Net Income |
$6,223,765 |
|
Total Assets |
$752,284,815 |
|
Required Regulation F Information |
|
|
Leverage Ratio |
13.93% |
|
Tier 1 Risk Based Capital Ratio |
21.58% |
|
Total Risk Based Capital Ratio |
22.77% |
|
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 |
13.93% |
14.04% |
13.20% |
12.13% |
12.51% |
|
Tier 1 Risk Based Capital |
21.58% |
23.24% |
24.06% |
23.11% |
21.68% |
|
Total Risk Based Capital |
22.77% |
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 |
6.21% |
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:
- 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.
