Financial Highlights

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Financial Highlights

Consolidated Financial Highlights - March 31, 2018 (unaudited)

Net Income

$2,178,786

Total Assets

$836,818,480

Required Regulation F Information

 

Leverage Ratio

12.13%

Tier 1 Risk Based Capital Ratio

23.11%

Total Risk Based Capital Ratio

24.29%

Risk Based Assets to Capital Status-See Note Below

Well Capitalized

Loan Loss Reserve to NonPerforming Loans (inc. TDRs)

344.92%

Loan Loss Reserve to NonPerforming Assets

344.92%

Loan Loss Reserve to Total Loans

2.49%

NonPerforming Assets to Total Assets

0.28%

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

0.06%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines

3/31/18

12/31/17

9/30/17

6/30/17

3/31/17

Tier 1 Leverage

12.13%

12.51%

12.65%

12.65%

12.59%

Tier 1 Risk Based Capital

23.11%

21.68%

21.83%

22.16%

22.05%

Total Risk Based Capital

24.29%

22.81%

23.09%

23.45%

23.35%

NPAs to Total Assets

0.28%

0.53%

0.85%

0.62%

0.63%

Loan Loss Reserve to Total Loans

2.49%

2.85%

2.84%

3.09%

3.15%

Texas Ratio

2.18%

3.81%

5.86%

4.48%

3.46%

Return on Average Assets

1.09%

0.40%

0.73%

0.75%

0.83%

Return on Average Equity

9.10%

3.16%

5.84%

5.98%

6.70%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - December 31, 2017
79/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.