Dripping Springs, TX · Cert 58577
FDIC · 20 branches
Q1 2022
Market Position · Austin-Round Rock-Georgetown, TX · 2021 SOD (annual) · 0.8% share · #20 of 68 inst. · $0.5B of $61.7B
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.75% | 0.74% | 0.74% | 0.56% | -20 bps | |
| Return on Equity | 8.23% | 7.74% | 7.49% | 7.28% | 5.04% | -318 bps | |
| Net Interest Margin | 2.65% | 2.67% | 2.89% | 2.83% | 2.34% | -31 bps | |
| Efficiency Ratio | 68.25% | 71.83% | 71.99% | 72.61% | 81.65% | +1,339 bps | |
| Non-Interest Burden | 1.71% | 1.83% | 1.99% | 1.96% | 1.83% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.21% | -10.36% | -13.23% | -9.83% | -14.27% | -1,548 bps | |
| Loan Growth (YoY) | 5.84% | -5.11% | -12.92% | -18.61% | -24.90% | -3,075 bps | |
| Deposit Growth (YoY) | 8.84% | -1.17% | -5.73% | -4.34% | -8.21% | -1,705 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.41% | 0.62% | 0.55% | 0.59% | +15 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 0.94% | 0.88% | 0.93% | 0.88% | 0.84% | -10 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.1x | 1.5x | 1.6x | 1.4x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.74% | 8.98% | 10.12% | 10.58% | 11.04% | +230 bps | |
| Total Risk-Based Capital | 13.32% | 13.96% | 15.00% | 16.57% | 17.77% | +445 bps | |
| Equity / Assets | 9.10% | 10.33% | 10.85% | 11.13% | 11.21% | +212 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.72% | 83.17% | 79.49% | 71.38% | 69.31% | -1,541 bps | |
| Liquid Assets / Assets | 7.23% | 17.05% | 20.34% | 26.39% | 28.76% | +2,153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |