Kemp, TX · Cert 3281
FDIC · 2 branches
Q1 2023
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kemp, TX · Cert 3281
FDIC · 2 branches
Q1 2023
Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.0% share · #127 of 169 inst. · $0.1B of $861.9B
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.91% | 0.86% | 0.73% | 0.82% | 0.69% | 0.90% | 0.86% | +13 bps | |
| Return on Equity | 9.34% | 8.75% | 8.42% | 8.54% | 10.68% | 7.66% | 9.38% | 7.93% | -62 bps | |
| Net Interest Margin | 3.28% | 3.12% | 3.11% | 2.91% | 2.97% | 1.80% | 2.18% | 3.43% | +52 bps | |
| Efficiency Ratio | 70.12% | 70.42% | 72.00% | 71.27% | 69.35% | 71.00% | 66.60% | 64.18% | -709 bps | |
| Non-Interest Burden | 2.11% | 2.01% | 2.03% | 1.92% | 1.89% | 1.24% | 1.39% | 2.13% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.15% | 22.80% | 24.01% | 19.64% | 10.75% | 190.51% | 189.18% | 167.26% | +14,762 bps | |
| Loan Growth (YoY) | 11.17% | 0.72% | -3.49% | 3.02% | 0.68% | 163.75% | 172.52% | 192.62% | +18,960 bps | |
| Deposit Growth (YoY) | 12.49% | 24.78% | 26.53% | 23.55% | 16.94% | 189.35% | 185.88% | 156.66% | +13,311 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.04% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.29% | 0.22% | 0.00% | 0.00% | -0.11% | -0.07% | -0.01% | -1 bps | |
| Allowance / Loans | 1.15% | 1.07% | 1.10% | 1.14% | 1.18% | 0.56% | 0.53% | 1.40% | +27 bps | |
| Allowance Coverage of NPLs | 4.4x | 24.0x | 24.8x | n/a | n/a | n/a | n/a | 7.9x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 8.61% | 8.78% | 8.10% | 7.74% | 9.17% | 9.05% | 9.71% | +161 bps | |
| Total Risk-Based Capital | 9.12% | 8.61% | 8.78% | 8.10% | 17.23% | 9.17% | 9.05% | 9.71% | +161 bps | |
| Equity / Assets | 10.32% | 9.84% | 9.56% | 7.59% | 5.75% | 10.51% | 10.66% | 11.10% | +351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.03% | 47.31% | 45.86% | 43.36% | 43.93% | 43.12% | 43.72% | 49.43% | +607 bps | |
| Liquid Assets / Assets | 14.01% | 17.56% | 15.90% | 13.16% | 12.64% | 26.14% | 23.10% | 18.55% | +539 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |