Financial Highlights

Financial Highlights

Consolidated Financial Highlights - March 31, 2020 (Unaudited)

Assets  $805,479,034
Net Income $273,691
Leverage Ratio 12.97%
Tier 1 Risk Based Ratio 21.50%
Total Risk Based Ratio

                                22.76%

   

Loan Loss Reserve to NPL  831.45%
Loan Loss Reserve to NPA 831.45% 
Loan Loss Reserve to Loans  2.42%
NPA to Total Assets 0.14%
 Loans 30 Days Past Due 0.31%

Additional Information for Correspondent Guidance

Ratio Trend Lines 3/31/2020

12/31/19

9/30/19

6/30/19

3/31/19

Tier 1 Leverage

12.97%

12.67%

12.69%

13.33%

13.83%

Tier 1 Risk Based Capital

21.50%

21.51%

21.40%

21.29%

21.82%

Total Risk Based Capital

22.76%

22.74%

22.61%

22.50%

23.01%

NPAs to Total Assets

0.14%

0.14%

0.14%

0.14%

0.23%

Loan Loss Reserve to Total Loans

2.42%

2.19%

2.16%

2.24%

2.35%

Texas Ratio

0.96%

.99%

1.01%

1.13%

1.61%

Return on Average Assets

0.14%

.28%

.52%

.78%

.85%

Return on Average Equity

1.04%

2.10%

3.91%

5.73%

6.14%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - March 31, 2020  is 50/B+. 

This is down from 55/B+ at December 31, 2019.

 

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.

Annual Report

 Annual Report 2019