Birmingham, AL · Cert 19048
FDIC · 646 branches
Q3 2021
Market Position · Houston-The Woodlands-Sugar Land, TX · 2021 SOD (annual) · 4.5% share · #4 of 95 inst. · $15.0B of $333.7B
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | -9.79% | -5.04% | -3.11% | -1.99% | 1.40% | -1.31% | -0.56% | +255 bps | |
| Return on Equity | 0.87% | -79.70% | -43.70% | -27.81% | -18.01% | 13.23% | -12.31% | -5.15% | +2,266 bps | |
| Net Interest Margin | 2.95% | 2.59% | 2.46% | 2.48% | 2.51% | 2.62% | 0.48% | 1.10% | -138 bps | |
| Efficiency Ratio | 62.89% | 69.91% | 67.23% | 65.91% | 63.78% | 65.34% | 58.32% | 60.79% | -512 bps | |
| Non-Interest Burden | 1.95% | 10.90% | 5.75% | 4.22% | 3.43% | 1.45% | 0.24% | 0.56% | -366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.89% | 0.42% | 10.83% | 10.95% | 9.68% | 9.57% | -4.96% | -14.53% | -2,547 bps | |
| Loan Growth (YoY) | -1.83% | 4.04% | 8.02% | 4.66% | 2.71% | -5.03% | -11.04% | -16.11% | -2,077 bps | |
| Deposit Growth (YoY) | 3.86% | 3.80% | 17.35% | 17.00% | 14.45% | 11.28% | -4.13% | -15.71% | -3,270 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.06% | 1.09% | 1.21% | 2.00% | 2.21% | 2.18% | 1.87% | 1.67% | -33 bps | |
| Net Charge-Offs / Loans | 0.88% | 0.66% | 0.69% | 0.67% | 0.60% | 0.38% | 0.81% | 0.70% | +3 bps | |
| Allowance / Loans | 1.44% | 2.00% | 2.56% | 2.72% | 2.55% | n/a | n/a | n/a | n/a | |
| Allowance Coverage of NPLs | 1.4x | 1.8x | 2.1x | 1.4x | 1.2x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.98% | 8.68% | 8.06% | 8.09% | 8.32% | 8.67% | 9.00% | 9.89% | +180 bps | |
| Total Risk-Based Capital | 13.94% | 13.38% | 13.44% | 13.95% | 14.42% | 15.38% | 15.65% | 17.40% | +345 bps | |
| Equity / Assets | 13.41% | 11.15% | 10.19% | 10.17% | 10.49% | n/a | n/a | n/a | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.06% | 87.24% | 79.88% | 76.65% | 76.34% | 74.46% | 74.12% | 76.29% | -37 bps | |
| Liquid Assets / Assets | 13.46% | 13.29% | 20.18% | 22.92% | 23.33% | 0.00% | 0.00% | 0.00% | -2,292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |