Newton, TX · Cert 3363
FDIC · 34 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 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.
Newton, TX · Cert 3363
FDIC · 34 branches
Q3 2022
Market Position · Houston-The Woodlands-Sugar Land, TX · 2022 SOD (annual) · 0.6% share · #19 of 97 inst. · $2.1B of $374.8B
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 1.05% | 1.12% | 1.22% | 0.92% | 1.03% | 1.08% | 1.23% | +1 bps | |
| Return on Equity | 5.59% | 8.12% | 8.68% | 9.50% | 7.28% | 8.76% | 9.24% | 10.59% | +109 bps | |
| Net Interest Margin | 3.39% | 3.44% | 3.19% | 3.11% | 2.98% | 3.00% | 3.16% | 3.45% | +34 bps | |
| Efficiency Ratio | 62.88% | 62.41% | 66.54% | 65.93% | 72.80% | 61.66% | 60.44% | 57.63% | -830 bps | |
| Non-Interest Burden | 1.97% | 2.00% | 1.99% | 1.89% | 2.04% | 1.64% | 1.73% | 1.80% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.53% | 17.61% | 4.24% | 10.33% | 13.59% | 10.37% | 6.29% | 1.49% | -884 bps | |
| Loan Growth (YoY) | 10.84% | 8.24% | -6.97% | -12.05% | -2.02% | -0.42% | 11.08% | 19.84% | +3,190 bps | |
| Deposit Growth (YoY) | 15.22% | 20.59% | 4.67% | 10.95% | 15.66% | 12.74% | 9.75% | 4.87% | -608 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.81% | 0.77% | 0.79% | 0.79% | 0.77% | 0.93% | 0.72% | -7 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | -0.03% | -0.03% | -0.02% | -0.01% | -0.02% | -0.01% | +2 bps | |
| Allowance / Loans | 1.39% | 1.41% | 1.36% | 1.23% | 1.09% | 1.09% | 1.06% | 1.04% | -19 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.8x | 1.6x | 1.4x | 1.4x | 1.1x | 1.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.12% | 11.18% | 10.91% | 11.01% | 10.58% | 10.47% | 10.91% | 11.22% | +21 bps | |
| Total Risk-Based Capital | 15.57% | 16.05% | 16.70% | 17.13% | 15.54% | 15.22% | 14.82% | 14.85% | -227 bps | |
| Equity / Assets | 12.99% | 12.85% | 12.97% | 12.74% | 11.92% | 11.53% | 11.62% | 11.54% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.69% | 84.71% | 79.18% | 73.24% | 74.28% | 74.82% | 80.14% | 83.69% | +1,046 bps | |
| Liquid Assets / Assets | 12.44% | 13.71% | 18.16% | 22.52% | 20.56% | 16.26% | 10.22% | 7.71% | -1,482 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |