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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 1.25%1 | 0.32% | 0.59% | 0.13% | 1.00%1 | 0.28% | -0.11% | -71 bps | |
| Return on Equity | 3.83% | 9.86% | 2.94% | 5.64% | 1.09% | 9.18% | 2.80% | -1.12% | -675 bps | |
| Net Interest Margin | 3.77% | 3.41% | 2.77% | 2.64% | 2.98% | 2.74% | 2.66% | 2.43% | -21 bps | |
| Efficiency Ratio | 83.01% | 79.87% | 88.13% | 79.50% | 92.25% | 88.90% | 88.16% | 89.54% | +1,004 bps | |
| Non-Interest Burden | 3.02% | 2.59% | 2.38% | 1.91% | 2.69% | 2.37% | 2.28% | 2.12% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.87% | 14.83% | 45.96% | 12.35% | 12.70% | 26.63% | -1.85% | 16.30% | +395 bps | |
| Loan Growth (YoY) | 16.85% | 15.19% | 14.06% | -3.47% | -4.53% | -4.91% | -4.76% | -7.82% | -435 bps | |
| Deposit Growth (YoY) | 15.92% | 16.04% | 51.58% | 13.59% | 14.40% | 30.42% | -2.21% | 18.67% | +508 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.00% | 0.00% | 0.31% | 0.39% | 0.79% | 0.69% | 0.00% | -31 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.64% | -0.15% | -0.01% | 0.02% | 0.00% | 0.02% | 0.95% | +96 bps | |
| Allowance / Loans | 1.35% | 1.29% | 1.31% | 1.44% | 1.46% | 1.47% | 1.44% | 1.55% | +12 bps | |
| Allowance Coverage of NPLs | 10.7x | n/a | n/a | 4.6x | 3.8x | 1.9x | 2.1x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 11.35% | 9.51% | 9.02% | 10.66% | 10.18% | 9.74% | 9.46% | +44 bps | |
| Total Risk-Based Capital | 11.46% | 11.35% | 9.51% | 9.02% | 10.66% | 10.18% | 9.74% | 9.46% | +44 bps | |
| Equity / Assets | 12.65% | 12.67% | 9.56% | 11.74% | 11.57% | 10.24% | 9.99% | 10.18% | -155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.52% | 66.52% | 48.97% | 58.34% | 56.34% | 48.50% | 47.69% | 45.32% | -1,302 bps | |
| Liquid Assets / Assets | 11.80% | 11.69% | 8.80% | 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 | n/a | n/a | n/a |