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Consolidated Financial Highlights - June 30, 2017 (unaudited)

Net Income

$2,318,748

Total Assets

$636,119,865

Required Regulation F Information

 

Leverage Ratio

12.65%

Tier 1 Risk Based Capital Ratio

22.16%

Total Risk Based Capital Ratio

23.45%

Risk Based Assets to Capital Status-See Note Below

Well Capitalized

Loan Loss Reserve to NonPerforming Loans (inc. TDRs)

280.02%

Loan Loss Reserve to NonPerforming Assets

280.02%

Loan Loss Reserve to Total Loans

3.09%

NonPerforming Assets to Total Assets

0.62%

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

0.076%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines

6/30/17

3/31/17

12/31/16

9/30/16

6/30/16

Tier 1 Leverage

12.65%

12.59%

12.61%

12.84%

12.92%

Tier 1 Risk Based Capital

22.16%

22.05%

22.66%

22.75%

24.97%

Total Risk Based Capital

23.45%

23.35%

23.83%

24.03%

26.26%

NPAs to Total Assets

0.62%

0.63%

0.58%

0.54%

0.63%

Loan Loss Reserve to Total Loans

3.09%

3.15%

3.34%

3.54%

3.41%

Texas Ratio

4.48%

3.46%

4.20%

3.67%

4.29%

Return on Average Assets

0.75%

0.83%

0.67%

0.72%

0.86%

Return on Average Equity

5.98%

6.70%

5.17%

5.66%

6.57%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - June 30th, 2017
73/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.