Rice, TX · Cert 9973
FDIC · 4 branches
Q2 2022
Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.0% share · #111 of 169 inst. · $0.2B 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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.13% | 1.00%1 | 0.28% | -0.11% | -71 bps | |
| Return on Equity | 5.64% | 1.09% | 9.18% | 2.80% | -1.12% | -675 bps | |
| Net Interest Margin | 2.64% | 2.98% | 2.74% | 2.66% | 2.43% | -21 bps | |
| Efficiency Ratio | 79.50% | 92.25% | 88.90% | 88.16% | 89.54% | +1,004 bps | |
| Non-Interest Burden | 1.91% | 2.69% | 2.37% | 2.28% | 2.12% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.35% | 12.70% | 26.63% | -1.85% | 16.30% | +395 bps | |
| Loan Growth (YoY) | -3.47% | -4.53% | -4.91% | -4.76% | -7.82% | -435 bps | |
| Deposit Growth (YoY) | 13.59% | 14.40% | 30.42% | -2.21% | 18.67% | +508 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.39% | 0.79% | 0.69% | 0.00% | -31 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.02% | 0.00% | 0.02% | 0.95% | +96 bps | |
| Allowance / Loans | 1.44% | 1.46% | 1.47% | 1.44% | 1.55% | +12 bps | |
| Allowance Coverage of NPLs | 4.6x | 3.8x | 1.9x | 2.1x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.02% | 10.66% | 10.18% | 9.74% | 9.46% | +44 bps | |
| Total Risk-Based Capital | 9.02% | 10.66% | 10.18% | 9.74% | 9.46% | +44 bps | |
| Equity / Assets | 11.74% | 11.57% | 10.24% | 9.99% | 10.18% | -155 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.34% | 56.34% | 48.50% | 47.69% | 45.32% | -1,302 bps | |
| Liquid Assets / Assets | 10.67% | 10.63% | 8.12% | 17.82% | 18.20% | +753 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |