Denton, TX · Cert 58562
FDIC · 5 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 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.
Denton, TX · Cert 58562
FDIC · 5 branches
Q2 2022
Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.1% share · #63 of 169 inst. · $0.5B 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.44% | 0.50% | 0.68% | 0.65% | 0.78% | 0.87% | -0.18% | -86 bps | |
| Return on Equity | 3.75% | 4.34% | 5.11% | 7.05% | 6.74% | 8.07% | 9.11% | -1.90% | -895 bps | |
| Net Interest Margin | 3.49% | 3.46% | 3.36% | 3.44% | 3.45% | 3.39% | 3.14% | 3.32% | -12 bps | |
| Efficiency Ratio | 71.45% | 71.86% | 71.66% | 67.79% | 68.07% | 67.21% | 66.88% | 103.41% | +3,562 bps | |
| Non-Interest Burden | 2.41% | 2.41% | 2.35% | 2.26% | 2.27% | 2.18% | 2.04% | 3.46% | +120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.92% | 7.78% | 19.56% | 11.96% | 7.91% | 12.89% | 7.62% | -2.17% | -1,413 bps | |
| Loan Growth (YoY) | 26.27% | 22.56% | 17.73% | 4.40% | 1.39% | 2.16% | -3.87% | -5.82% | -1,022 bps | |
| Deposit Growth (YoY) | 17.84% | 7.89% | 20.82% | 12.54% | 8.21% | 13.50% | 7.66% | -2.36% | -1,490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.28% | 1.27% | 1.24% | 1.11% | 1.02% | 1.03% | 0.13% | 0.11% | -100 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.48% | 0.02% | 0.27% | 0.32% | 0.24% | 1.18% | 0.60% | +32 bps | |
| Allowance / Loans | 1.33% | 1.40% | 1.48% | 1.46% | 1.51% | 1.50% | 1.25% | 1.27% | -19 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.2x | 1.3x | 1.5x | 1.5x | 9.8x | 11.1x | +9.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.77% | 9.80% | 9.49% | 9.38% | 9.62% | 9.71% | 9.64% | 9.65% | +27 bps | |
| Total Risk-Based Capital | 14.03% | 14.01% | 13.52% | 13.28% | 13.79% | 13.66% | 13.83% | 13.62% | +34 bps | |
| Equity / Assets | 9.99% | 10.16% | 9.47% | 9.40% | 9.85% | 9.67% | 9.42% | 9.65% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.21% | 89.56% | 84.32% | 82.42% | 83.58% | 80.61% | 75.29% | 79.50% | -292 bps | |
| Liquid Assets / Assets | 4.75% | 7.75% | 7.15% | 8.75% | 9.02% | 8.65% | 10.06% | 10.80% | +205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |