Universal City, TX · Cert 57704
FDIC · 6 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.
Universal City, TX · Cert 57704
FDIC · 6 branches
Q3 2022
Market Position · San Antonio-New Braunfels, TX · 2022 SOD (annual) · 0.2% share · #21 of 63 inst. · $0.4B of $186.8B
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 | 0.77% | 0.85% | 0.88% | 0.84% | 0.80% | 0.60% | 0.63% | 0.17% | -67 bps | |
| Return on Equity | 7.54% | 9.19% | 9.74% | 9.20% | 8.78% | 6.59% | 7.02% | 1.93% | -728 bps | |
| Net Interest Margin | 2.63% | 2.88% | 2.80% | 2.66% | 2.55% | 2.39% | 2.39% | 2.77% | +11 bps | |
| Efficiency Ratio | 65.89% | 61.77% | 61.92% | 63.63% | 65.27% | 69.65% | 68.22% | 91.72% | +2,809 bps | |
| Non-Interest Burden | 1.68% | 1.73% | 1.68% | 1.64% | 1.62% | 1.63% | 1.59% | 2.53% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.67% | 35.72% | 20.19% | 11.45% | 13.51% | 9.51% | 4.01% | -9.98% | -2,144 bps | |
| Loan Growth (YoY) | 6.85% | 12.21% | -2.79% | -7.03% | -5.79% | -12.35% | -8.36% | -3.99% | +304 bps | |
| Deposit Growth (YoY) | 44.21% | 40.96% | 34.39% | 15.23% | 15.83% | 11.51% | 5.22% | -7.37% | -2,260 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | -1 bps | |
| Allowance / Loans | 2.24% | 2.28% | 2.52% | 2.70% | 2.70% | 2.79% | 2.84% | 2.84% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.08% | 8.67% | 9.27% | 9.20% | 9.20% | 9.08% | 9.23% | -4 bps | |
| Total Risk-Based Capital | 17.90% | 17.37% | 17.05% | 18.71% | 18.26% | 18.27% | 18.63% | 16.28% | -243 bps | |
| Equity / Assets | 9.41% | 9.04% | 8.67% | 9.37% | 9.25% | 8.88% | 8.76% | 9.08% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.24% | 65.53% | 58.85% | 55.47% | 54.69% | 51.51% | 51.26% | 57.49% | +202 bps | |
| Liquid Assets / Assets | 29.55% | 29.19% | 35.73% | 37.96% | 38.46% | 40.84% | 41.16% | 33.14% | -481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |