Financial Highlights

Annual Report

Financial Highlights

Consolidated Financial Highlights - December 31, 2019 (Unaudited)

Net Income

$2,214,029

Total Assets

$794,098,137

Required Regulation F Information

 

Leverage Ratio

12.67%

Tier 1 Risk Based Capital Ratio

21.51%

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)

716.55%,

Loan Loss Reserve to NonPerforming Assets

716.55%

Loan Loss Reserve to Total Loans

2.19%

NonPerforming Assets to Total Assets

0.14%

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

0.25%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines

12/31/19

9/30/19

6/30/19

3/31/19

12/31/18

Tier 1 Leverage

12.67%

12.69%

13.33%

13.83%

13.93%

Tier 1 Risk Based Capital

21.51%

21.40%

21.29%

21.82%

21.58%

Total Risk Based Capital

22.74%

22.61%

22.50%

23.01%

22.77%

NPAs to Total Assets

0.14%

0.14%

0.14%

0.23%

0.28%

Loan Loss Reserve to Total Loans

2.19%

2.16%

2.24%

2.35%

2.20%

Texas Ratio

.99%

1.01%

1.13%

1.61%

1.90%

Return on Average Assets

.28%

.52%

.78%

.85%

.80%

Return on Average Equity

2.10%

3.91%

5.73%

6.14%

6.21%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - December 31, 2019
55/B+

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.