Houston, TX · Cert 24107
FDIC · 83 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Houston, TX · Cert 24107
FDIC · 83 branches
Q3 2015
Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 4.6% share · #5 of 103 inst. · $9.9B of $215.2B
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.48% | 0.69% | 0.83% | 0.68% | 0.49% | 0.47% | 0.40% | -43 bps | |
| Return on Equity | 5.86% | 2.95% | 4.16% | 5.07% | 4.18% | 3.06% | 2.86% | 2.45% | -263 bps | |
| Net Interest Margin | 2.86% | 2.88% | 2.87% | 2.82% | 2.77% | 2.83% | 2.87% | 2.86% | +4 bps | |
| Efficiency Ratio | 62.19% | 66.50% | 68.05% | 64.60% | 66.76% | 70.78% | 71.46% | 69.40% | +480 bps | |
| Non-Interest Burden | 1.47% | 1.66% | 1.70% | 1.53% | 1.57% | 1.78% | 1.81% | 1.73% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 6.17% | 4.57% | 1.80% | 1.97% | 1.08% | 0.27% | 2.14% | +34 bps | |
| Loan Growth (YoY) | 8.64% | 7.65% | 8.32% | 9.40% | 9.08% | 9.04% | 4.36% | 1.95% | -746 bps | |
| Deposit Growth (YoY) | 3.81% | 7.54% | 5.41% | 2.38% | 2.92% | 0.10% | -0.73% | 0.87% | -151 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 | 0.26% | 0.06% | 0.16% | 0.21% | 0.23% | -0.76% | -0.14% | 0.16% | -5 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.86% | 14.86% | 14.86% | 14.36% | 14.09% | 13.73% | 13.97% | 14.21% | -15 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.27% | 86.13% | 88.20% | 89.93% | 90.37% | 93.82% | 92.73% | 90.89% | +96 bps | |
| Liquid Assets / Assets | 0.20% | 0.20% | 0.18% | 0.18% | 0.15% | 0.14% | 0.13% | 0.13% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |