Financial Highlights

Annual Report

Financial Highlights

Consolidated Financial Highlights - March 31, 2019 (Unaudited)

Net Income

$1,566,103

Total Assets

$771,768,032

Required Regulation F Information

 

Leverage Ratio

13.83%

Tier 1 Risk Based Capital Ratio

21.82%

Total Risk Based Capital Ratio

23.01%

Risk Based Assets to Capital Status-See Note Below

Well Capitalized

Loan Loss Reserve to NonPerforming Loans (inc. TDRs)

535.65%,

Loan Loss Reserve to NonPerforming Assets

450.06%

Loan Loss Reserve to Total Loans

2.35%

NonPerforming Assets to Total Assets

0.23%

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

0.06%

 

Additional Information for Correspondent Guidance

Ratio Trend Lines

3/31/19

12/31/18

9/30/18

6/30/18

3/31/18

Tier 1 Leverage

13.83%

13.93%

14.04%

13.20%

12.13%

Tier 1 Risk Based Capital

21.82%

21.58%

23.24%

24.06%

23.11%

Total Risk Based Capital

23.01%

22.77%

24.42%

25.26%

24.29%

NPAs to Total Assets

0.23%

0.28%

0.29%

0.32%

0.28%

Loan Loss Reserve to Total Loans

2.35%

2.20%

2.42%

2.46%

2.49%

Texas Ratio

1.61%

1.90%

1.96%

2.11%

2.18%

Return on Average Assets

.85%

.80%

.79%

.90%

1.09%

Return on Average Equity

6.14%

6.21%

6.09%

7.22%

9.10%

 

Bank Insight Rating (formerly Thomson Reuters Peer Group Rating) - December 31, 2018
77/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.