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 (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 | 1.08% | 1.01% | 1.04% | 1.15% | 1.28% | 1.64% | 1.73% | -0.26% | -141 bps | |
| Return on Equity | 8.07% | 7.99% | 8.04% | 8.79% | 9.88% | 13.02% | 13.92% | -1.83% | -1,062 bps | |
| Net Interest Margin | 2.81% | 2.76% | 2.74% | 2.81% | 2.88% | 3.16% | 3.27% | 0.99% | -181 bps | |
| Efficiency Ratio | 38.29% | 39.26% | 39.74% | 39.84% | 38.79% | 37.85% | 37.30% | 46.65% | +682 bps | |
| Non-Interest Burden | 0.96% | 0.96% | 0.98% | 1.01% | 1.00% | 1.08% | 1.10% | 0.41% | -60 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 | 0.34% | 0.02% | 1.19% | 0.83% | 0.94% | 0.53% | 0.24% | 0.73% | -10 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 |