Snook, TX · Cert 22327
FDIC · 38 branches
Q1 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2022, the quarter ended March 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Snook, TX · Cert 22327
FDIC · 38 branches
Q1 2022
Market Position · Houston-The Woodlands-Sugar Land, TX · 2021 SOD (annual) · 0.2% share · #36 of 95 inst. · $0.7B of $333.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.05% | 1.25% | 1.41% | 1.56% | 1.53% | 1.48% | 1.42% | +1 bps | |
| Return on Equity | 7.75% | 8.17% | 9.91% | 11.87% | 12.81% | 12.34% | 11.92% | 11.93% | +6 bps | |
| Net Interest Margin | 3.72% | 3.79% | 3.95% | 3.93% | 3.95% | 3.94% | 3.72% | 3.60% | -32 bps | |
| Efficiency Ratio | 60.55% | 59.22% | 54.59% | 49.23% | 47.33% | 48.49% | 49.89% | 52.40% | +317 bps | |
| Non-Interest Burden | 2.16% | 2.02% | 1.83% | 1.70% | 1.62% | 1.70% | 1.67% | 1.45% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 55.87% | 49.14% | 29.39% | 24.53% | 4.13% | 7.85% | 5.77% | 1.72% | -2,281 bps | |
| Loan Growth (YoY) | 72.45% | 64.83% | 35.03% | 20.34% | -6.55% | -8.05% | -2.76% | -2.23% | -2,256 bps | |
| Deposit Growth (YoY) | 53.79% | 43.79% | 28.40% | 25.33% | 6.90% | 15.89% | 12.36% | 7.11% | -1,821 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.36% | 0.36% | 0.41% | 0.33% | 0.28% | 0.22% | 0.18% | -22 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.08% | 0.13% | 0.17% | 0.15% | 0.14% | 0.15% | +2 bps | |
| Allowance / Loans | 0.41% | 0.50% | 0.67% | 0.67% | 0.73% | 0.72% | 0.70% | 0.71% | +4 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.9x | 1.6x | 2.2x | 2.6x | 3.2x | 3.9x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.87% | 10.30% | 10.01% | 10.51% | 10.93% | 10.64% | 9.53% | -48 bps | |
| Total Risk-Based Capital | 13.11% | 13.17% | 13.00% | 13.58% | 14.12% | 14.12% | 13.46% | 12.14% | -144 bps | |
| Equity / Assets | 11.84% | 12.17% | 11.95% | 11.81% | 12.86% | 12.89% | 12.66% | 11.19% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.68% | 106.10% | 96.33% | 92.86% | 88.02% | 84.18% | 83.36% | 84.76% | -810 bps | |
| Liquid Assets / Assets | 6.69% | 4.12% | 7.49% | 1.27% | 2.66% | 5.09% | 6.68% | 4.16% | +289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |