Financial Highlights

Financial Highlights

Consolidated Financial Highlights - September 30, 2020 (Unaudited)

Assets  $775,132,309
Net Income $1,099,057
Leverage Ratio 12.76%
Tier 1 Risk Based Ratio 23.97%
Total Risk Based Ratio

                               25.12%

   

Loan Loss Reserve to NPL  911.88%
Loan Loss Reserve to NPA 911.88% 
Loan Loss Reserve to Loans  2.88%
NPA to Total Assets 0.14%
 Loans 30 Days Past Due 1.14%

Additional Information for Correspondent Guidance

Ratio Trend Lines 9/30/20

6/30/20

3/31/20

12/31/19

9/30/19

Tier 1 Leverage

12.76%

12.70%

12.97%

12.67%

12.69%

Tier 1 Risk Based Capital

23.97%

21.92%

21.50%

21.51%

21.40%

Total Risk Based Capital

25.12%

23.07%

22.76%

22.74%

22.61%

NPAs to Total Assets

0.14%

0.13%

0.14%

0.14%

0.14%

Loan Loss Reserve to Total Loans

2.88%

2.62%

2.42%

2.19%

2.16%

Texas Ratio

0.94%

.95%

0.96%

.99%

1.01%

Return on Average Assets

0.17%

(.12%)

0.14%

.28%

.52%

Return on Average Equity

1.30%

(.92%)

1.04%

2.10%

3.91%

 

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

This is up from 43/B in June 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