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First National Bank of Kemp, The

Kemp, TX · Cert 3281

FDIC · 2 branches

Q1 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2023, the quarter ended March 31, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Kemp, The

Kemp, TX · Cert 3281

FDIC · 2 branches

Q1 2023

$376.7MAssets
$165.0MLoans
$333.8MDeposits
$41.8MEquity
Loan mix
71%RE $91.3M25%C&I $32.2M4%Consumer $5.1MQ1 2022Q1 2023
Deposit mix
62%Interest-bearing $205.9M38%Noninterest $127.9MQ1 2022Q1 2023

NIM

3.49%Q1 ’212.97%Q1 ’223.98%Q1 ’23-14%+18%

Non-interest income vs. expense

3.00%Q1 ’212.65%Q1 ’222.82%Q1 ’23-6%+11%

Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.0% share · #127 of 169 inst. · $0.1B of $861.9B

3.9% Kaufman
2.1% Henderson

Executive Summary

  • Earnings: ROA of 0.86%, up 13 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.18% of loans (+18 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.71%, up 161 bps from a year ago.
  • Funding: loans stand at 49.43% of deposits as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

0.86%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+52 bps YoY

Efficiency Ratio (YTD, annualized)

64.18%-709 bps YoY

Tier 1 Leverage Ratio

9.71%+161 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.73%0.82%0.69%0.90%0.86%+13 bps
Return on Equity8.54%10.68%7.66%9.38%7.93%-62 bps
Net Interest Margin2.91%2.97%1.80%2.18%3.43%+52 bps
Efficiency Ratio71.27%69.35%71.00%66.60%64.18%-709 bps
Non-Interest Burden1.92%1.89%1.24%1.39%2.13%+20 bps
Growth
Asset Growth (YoY)19.64%10.75%190.51%189.18%167.26%+14,762 bps
Loan Growth (YoY)3.02%0.68%163.75%172.52%192.62%+18,960 bps
Deposit Growth (YoY)23.55%16.94%189.35%185.88%156.66%+13,311 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.18%+18 bps
Net Charge-Offs / Loans0.00%0.00%-0.11%-0.07%-0.01%-1 bps
Allowance / Loans1.14%1.18%0.56%0.53%1.40%+27 bps
Allowance Coverage of NPLsn/an/an/an/a7.9xn/a
Capital
Tier 1 Leverage Ratio8.10%7.74%9.17%9.05%9.71%+161 bps
Total Risk-Based Capital8.10%17.23%9.17%9.05%9.71%+161 bps
Equity / Assets7.59%5.75%10.51%10.66%11.10%+351 bps
Liquidity & Funding
Loans / Deposits43.36%43.93%43.12%43.72%49.43%+607 bps
Liquid Assets / Assets13.16%12.64%26.14%23.10%18.55%+539 bps
CRE / Total Capitaln/an/an/an/an/an/an/a