Anahuac, TX · Cert 11552
FDIC · 3 branches
Q3 2015
Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.1% share · #64 of 103 inst. · $0.1B of $215.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | 0.55% | 0.41% | 0.75% | -1.04% | 0.65% | 0.88% | 0.81%1 | +6 bps | |
| Return on Equity | -7.91% | 6.01% | 4.50% | 8.32% | -10.98% | 6.69% | 9.14% | 8.05% | -27 bps | |
| Net Interest Margin | 3.43% | 3.29% | 3.25% | 3.38% | 3.41% | 3.60% | 3.45% | 3.54% | +16 bps | |
| Efficiency Ratio | 74.65% | 78.06% | 82.25% | 78.87% | 82.44% | 83.78% | 80.48% | 73.42% | -545 bps | |
| Non-Interest Burden | 2.83% | 2.54% | 2.67% | 2.61% | 2.80% | 2.90% | 2.63% | 2.38% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 6.21% | 11.07% | 13.15% | 3.01% | 3.05% | -3.35% | -10.37% | -2,352 bps | |
| Loan Growth (YoY) | 13.08% | 4.63% | 17.94% | 10.35% | 6.44% | 15.62% | 11.40% | 9.46% | -88 bps | |
| Deposit Growth (YoY) | 11.36% | 7.92% | 11.49% | 13.69% | 1.93% | 2.11% | -4.15% | -11.89% | -2,558 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 | 0.28% | 0.07% | 0.00% | -0.01% | 0.01% | -0.01% | 0.00% | 1.83% | +184 bps | |
| Allowance / Loans | 0.80% | 0.84% | 0.84% | 0.82% | 1.64% | 1.63% | 1.60% | 1.48% | +66 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 | n/a | n/a | n/a | n/a | n/a | 8.75% | 8.83% | 9.21% | n/a | |
| Total Risk-Based Capital | 13.20% | 13.98% | 13.55% | 13.64% | 14.63% | 14.05% | 13.87% | 14.91% | +127 bps | |
| Equity / Assets | 9.29% | 9.17% | 9.01% | 9.03% | 9.89% | 9.60% | 9.70% | 10.49% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.32% | 53.56% | 53.71% | 54.14% | 60.90% | 60.65% | 62.42% | 67.27% | +1,312 bps | |
| Liquid Assets / Assets | 1.86% | 1.92% | 3.13% | 1.82% | 1.09% | 2.48% | 3.52% | 3.30% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |