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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.82% | 0.69% | 0.90% | 0.86% | +13 bps | |
| Return on Equity | 8.54% | 10.68% | 7.66% | 9.38% | 7.93% | -62 bps | |
| Net Interest Margin | 2.91% | 2.97% | 1.80% | 2.18% | 3.43% | +52 bps | |
| Efficiency Ratio | 71.27% | 69.35% | 71.00% | 66.60% | 64.18% | -709 bps | |
| Non-Interest Burden | 1.92% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.18% | +18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.11% | -0.07% | -0.01% | -1 bps | |
| Allowance / Loans | 1.14% | 1.18% | 0.56% | 0.53% | 1.40% | +27 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 7.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.10% | 7.74% | 9.17% | 9.05% | 9.71% | +161 bps | |
| Total Risk-Based Capital | 8.10% | 17.23% | 9.17% | 9.05% | 9.71% | +161 bps | |
| Equity / Assets | 7.59% | 5.75% | 10.51% | 10.66% | 11.10% | +351 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.36% | 43.93% | 43.12% | 43.72% | 49.43% | +607 bps | |
| Liquid Assets / Assets | 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 |