Financial Highlights

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Consolidated Financial Highlights - December 31, 2016 (unaudited)

Net Income

$3,940,480

Total Assets

$610,940,520

Required Regulation F Information

 

Leverage Ratio

12.61%

Tier 1 Risk Based Capital Ratio

22.66%

Total Risk Based Capital Ratio

23.83%

Risk Based Assets to Capital Status-See Note Below

Well Capitalized

Loan Loss Reserve to NonPerforming Loans (inc. TDRs)

273.17%

Loan Loss Reserve to NonPerforming Assets

235.65%

Loan Loss Reserve to Total Loans

3.34%

NonPerforming Assets to Total Assets

0.58%

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

0.46%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines

12/31/16

9/30/16

6/30/16

3/31/16

12/31/15

Tier 1 Leverage

12.61%

12.84%

12.92%

12.95%

12.19%

Tier 1 Risk Based Capital

22.66%

22.75%

24.97%

24.46%

24.19%

Total Risk Based Capital

23.83%

24.03%

26.26%

25.76%

25.48%

NPAs to Total Assets

0.58%

0.54%

0.63%

0.75%

0.87%

Loan Loss Reserve to Total Loans

3.34%

3.54%

3.41%

3.83%

3.79%

Texas Ratio

4.20%

3.67%

4.29%

4.37%

6.04%

Return on Average Assets

0.67%

0.72%

0.86%

0.78%

0.59%

Return on Average Equity

5.17%

5.66%

6.57%

6.03%

4.74%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - December 31, 2016
70/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.