Whitney, TX · Cert 26967
FDIC · 3 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Whitney, TX · Cert 26967
FDIC · 3 branches
Q4 2021
Market Position · Dallas-Fort Worth-Arlington, TX · 2021 SOD (annual) · 0.1% share · #57 of 169 inst. · $0.5B of $787.7B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.39% | 2.99% | 3.17% | 3.40% | 3.11% | 3.18% | 3.31% | 3.26% | -14 bps | |
| Return on Equity | 24.48% | 30.68% | 31.84% | 33.70% | 29.20% | 29.55% | 30.34% | 30.23% | -347 bps | |
| Net Interest Margin | 4.76% | 4.71% | 4.77% | 4.74% | 5.12% | 5.16% | 5.18% | 4.95% | +20 bps | |
| Efficiency Ratio | 59.46% | 54.95% | 54.94% | 53.16% | 52.85% | 52.29% | 51.35% | 51.42% | -174 bps | |
| Non-Interest Burden | 2.00% | 1.45% | 1.37% | 1.24% | 1.62% | 1.68% | 1.64% | 1.63% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.41% | 26.07% | 20.01% | 25.46% | 31.81% | 22.95% | 29.67% | 37.04% | +1,158 bps | |
| Loan Growth (YoY) | 20.65% | 24.28% | 24.57% | 31.44% | 29.46% | 23.29% | 27.59% | 33.65% | +221 bps | |
| Deposit Growth (YoY) | 17.73% | 19.53% | 15.02% | 26.16% | 29.16% | 24.86% | 30.08% | 38.17% | +1,201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 1.73% | 0.73% | 0.83% | 0.53% | 0.36% | 0.50% | 0.33% | -50 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.13% | 1.20% | 1.22% | 1.33% | 1.38% | 1.36% | 1.28% | +6 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.7x | 1.6x | 1.5x | 2.5x | 3.8x | 2.7x | 3.9x | +2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.44% | 10.19% | 10.62% | 10.95% | 10.93% | 11.23% | 11.63% | 11.41% | +46 bps | |
| Total Risk-Based Capital | 18.10% | 18.05% | 17.29% | 17.47% | 16.88% | 19.77% | 18.97% | 17.74% | +27 bps | |
| Equity / Assets | 9.98% | 9.71% | 10.57% | 10.60% | 10.72% | 10.97% | 11.27% | 10.43% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.14% | 97.31% | 102.30% | 100.75% | 95.36% | 96.09% | 100.34% | 97.45% | -330 bps | |
| Liquid Assets / Assets | 12.07% | 13.50% | 8.66% | 9.08% | 14.25% | 11.75% | 8.60% | 10.47% | +139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |