Quitman, TX · Cert 3402
FDIC · 13 branches
Q3 2022
Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.1% share · #53 of 169 inst. · $0.6B of $861.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.01% | 1.05% | 1.38% | 1.69% | 1.64% | 1.83% | -4.42% | -580 bps | |
| Return on Equity | 7.05% | 7.99% | 8.11% | 10.25% | 12.91% | 13.02% | 14.83% | -28.43% | -3,868 bps | |
| Net Interest Margin | 2.90% | 2.76% | 2.77% | 2.86% | 3.06% | 3.16% | 3.32% | -4.33% | -719 bps | |
| Efficiency Ratio | 36.00% | 39.26% | 40.22% | 40.03% | 35.91% | 37.85% | 36.77% | 46.65% | +663 bps | |
| Non-Interest Burden | 0.92% | 0.96% | 1.01% | 1.04% | 0.97% | 1.08% | 1.11% | -1.06% | -210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.09% | 12.70% | -1.23% | 2.46% | 0.79% | -6.27% | -4.44% | -7.71% | -1,017 bps | |
| Loan Growth (YoY) | -2.88% | -5.52% | -1.56% | -6.73% | -4.18% | -4.67% | -6.15% | -0.33% | +640 bps | |
| Deposit Growth (YoY) | 11.67% | 13.79% | -1.42% | 2.36% | 1.01% | -7.16% | -4.04% | -14.19% | -1,656 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.49% | 4.06% | 3.50% | 4.23% | 1.73% | 0.41% | 0.40% | 0.66% | -357 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.02% | 2.36% | -0.02% | 1.28% | 0.53% | -0.06% | 1.73% | +175 bps | |
| Allowance / Loans | 1.61% | 1.83% | 1.39% | 1.56% | 1.24% | 1.15% | 1.16% | 1.64% | +9 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.4x | 0.7x | 2.8x | 2.9x | 2.5x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.38% | 12.41% | 12.45% | 12.80% | 12.23% | 12.70% | 13.10% | 11.96% | -85 bps | |
| Total Risk-Based Capital | 12.38% | 12.41% | 12.45% | 12.80% | 12.23% | 12.70% | 13.10% | 15.93% | +312 bps | |
| Equity / Assets | 12.92% | 12.44% | 13.44% | 13.54% | 12.66% | 12.49% | 12.23% | 18.96% | +543 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.23% | 72.37% | 78.85% | 73.63% | 72.32% | 74.31% | 77.11% | 85.52% | +1,189 bps | |
| Liquid Assets / Assets | 13.07% | 18.63% | 12.76% | 16.14% | 12.31% | 9.21% | 5.57% | 3.35% | -1,279 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |