Financial Highlights

Financial Highlights

Consolidated Financial Highlights - December 31, 2021 (Unaudited)

Assets  $824,426,199
Net Income $2,267,653
Leverage Ratio 13.49%
Tier 1 Risk Based Ratio 24.34%
Total Risk Based Ratio

                               25.51%

   

Loan Loss Reserve to NPL  5,481.32%
Loan Loss Reserve to NPA 5,481.32% 
Loan Loss Reserve to Loans  2.99%
NPA to Total Assets 0.02%
 Loans 30 Days Past Due 0.21%

Additional Information for Correspondent Guidance

 

Ratio Trend Lines 12/31/20

9/30/20

6/30/20

3/31/20

12/31/19

Tier 1 Leverage

13.49%

12.76%

12.70%

12.97%

12.67%

Tier 1 Risk Based Capital

24.34%

23.97%

21.92%

21.50%

21.51%

Total Risk Based Capital

25.51%

25.12%

23.07%

22.76%

     22.74%​

NPAs to Total Assets

0.02%

0.14%

0.13%

0.14%

0.14%

Loan Loss Reserve to Total Loans

2.99%

2.88%

2.62%

2.42%

2.19%

Texas Ratio

0.15%

0.94%

.95%

0.96%

.99%

Return on Average Assets

0.28%

0.17%

(.12%)

0.14%

.28%

Return on Average Equity

2.13%

1.30%

(.92%)

1.04%

2.10%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - December, 2020  is 57/B+. 

This is up from 50/B+ in September 2020.

 

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