Diboll, TX · Cert 17233
FDIC · 17 branches
Q3 2017
Market Position · Houston-The Woodlands-Sugar Land, TX · 2017 SOD (annual) · 0.1% share · #64 of 97 inst. · $0.1B of $240.9B
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.23% | 1.26% | 1.26% | 1.25% | 1.02% | 1.12% | 1.17% | -10 bps | |
| Return on Equity | 12.76% | 12.63% | 12.77% | 12.75% | 12.58% | 10.33% | 11.13% | 11.55% | -120 bps | |
| Net Interest Margin | 3.64% | 3.75% | 3.75% | 3.68% | 3.64% | 3.73% | 3.75% | 3.80% | +11 bps | |
| Efficiency Ratio | 60.70% | 60.04% | 60.00% | 59.30% | 59.94% | 60.16% | 59.59% | 58.50% | -81 bps | |
| Non-Interest Burden | 1.76% | 1.82% | 1.79% | 1.70% | 1.73% | 1.78% | 1.77% | 1.75% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 3.61% | 5.68% | 9.17% | 0.25% | 4.25% | 2.47% | -1.23% | -1,040 bps | |
| Loan Growth (YoY) | 3.13% | 4.48% | 3.28% | 3.91% | 3.17% | 4.99% | 4.51% | -0.40% | -432 bps | |
| Deposit Growth (YoY) | 7.07% | 3.27% | 5.34% | 9.36% | -0.34% | 4.38% | 2.39% | -1.94% | -1,130 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.74% | 0.56% | 0.47% | +47 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.18% | 0.12% | 0.17% | 0.18% | 0.68% | 0.51% | 0.52% | +35 bps | |
| Allowance / Loans | 1.18% | 1.18% | 1.20% | 1.17% | 1.19% | 1.14% | 1.14% | 1.14% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.5x | 2.0x | 2.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 8.92% | 9.22% | 9.27% | 9.17% | 9.51% | 9.64% | 9.84% | +58 bps | |
| Total Risk-Based Capital | 13.48% | 13.77% | 13.86% | 13.92% | 14.13% | 13.99% | 14.31% | 15.25% | +132 bps | |
| Equity / Assets | 9.46% | 9.97% | 10.26% | 9.93% | 9.96% | 9.85% | 10.28% | 10.37% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.26% | 72.21% | 72.92% | 70.63% | 72.74% | 72.62% | 74.43% | 71.74% | +111 bps | |
| Liquid Assets / Assets | 5.34% | 3.72% | 3.64% | 6.91% | 2.84% | 4.46% | 3.81% | 7.04% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |