Texas City, TX · Cert 16308
FDIC · 3 branches
Q4 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.0% share · #68 of 97 inst. · $0.1B of $245.7B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.46% | 1.52% | 1.51% | 0.95% | 1.09% | 1.19% | 1.10% | -41 bps | |
| Return on Equity | 13.23% | 14.90% | 15.38% | 15.21% | 9.98% | 11.38% | 12.51% | 11.46% | -376 bps | |
| Net Interest Margin | 4.22% | 4.13% | 4.29% | 4.27% | 4.28% | 4.09% | 4.08% | 4.04% | -23 bps | |
| Efficiency Ratio | 68.48% | 67.23% | 66.03% | 65.96% | 72.32% | 69.11% | 66.92% | 69.47% | +350 bps | |
| Non-Interest Burden | 2.79% | 2.68% | 2.71% | 2.70% | 3.03% | 2.75% | 2.60% | 2.70% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.39% | 1.00% | -5.23% | -2.01% | -1.18% | 3.38% | 7.70% | 4.91% | +692 bps | |
| Loan Growth (YoY) | 8.73% | -1.53% | -1.10% | -2.85% | -11.96% | -7.34% | -14.58% | -13.28% | -1,043 bps | |
| Deposit Growth (YoY) | 5.23% | 2.44% | -5.26% | -2.45% | 3.04% | 2.40% | 8.37% | 4.82% | +727 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.24% | 0.08% | 0.10% | 0.09% | 0.53% | 0.10% | 0.10% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.12% | 0.29% | 0.23% | -0.13% | -0.11% | -0.08% | -0.06% | -30 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.08% | 1.17% | 1.24% | 1.30% | 1.40% | 1.41% | +24 bps | |
| Allowance Coverage of NPLs | 8.0x | 5.1x | 13.8x | 11.8x | 13.5x | 2.4x | 14.2x | 14.6x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.03% | 9.87% | 10.33% | 10.20% | 10.29% | 10.05% | 10.33% | 10.33% | +14 bps | |
| Total Risk-Based Capital | 12.13% | 12.88% | 12.82% | 13.15% | 13.27% | 13.66% | 14.32% | 14.88% | +173 bps | |
| Equity / Assets | 9.38% | 10.42% | 10.12% | 10.07% | 9.08% | 9.66% | 9.30% | 9.97% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.34% | 86.93% | 85.67% | 85.65% | 78.90% | 78.66% | 67.53% | 70.86% | -1,479 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 20.09% | 9.32% | +930 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |