Conroe, TX · Cert 26229
FDIC · 8 branches
Q2 2015
Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.2% share · #44 of 103 inst. · $0.3B 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.62% | 1.30% | 1.08% | 1.15% | 1.08% | 1.09% | 1.11% | 1.11% | -4 bps | |
| Return on Equity | 30.16% | 15.19% | 13.15% | 14.99% | 14.47% | 14.44% | 14.58% | 14.05% | -93 bps | |
| Net Interest Margin | 4.60% | 4.54% | 4.46% | 4.41% | 4.51% | 4.35% | 4.23% | 4.19% | -22 bps | |
| Efficiency Ratio | 64.34% | 64.51% | 67.67% | 68.38% | 65.77% | 66.19% | 68.75% | 67.44% | -94 bps | |
| Non-Interest Burden | 2.60% | 2.58% | 2.71% | 2.71% | 2.61% | 2.57% | 2.62% | 2.53% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.77% | 7.17% | 8.37% | 5.46% | 8.09% | 6.56% | 7.71% | 4.60% | -86 bps | |
| Loan Growth (YoY) | 10.55% | 13.15% | 5.11% | 4.06% | 4.33% | 3.53% | 7.44% | 0.07% | -399 bps | |
| Deposit Growth (YoY) | 11.71% | 7.48% | 8.57% | 7.10% | 9.33% | 7.70% | 8.98% | 3.81% | -328 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 | 0.10% | 0.25% | 0.11% | -0.02% | 0.07% | 0.08% | 0.00% | 0.04% | +6 bps | |
| Allowance / Loans | 1.29% | 1.24% | 1.32% | 1.33% | 1.33% | 1.31% | 1.33% | 1.36% | +3 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 | n/a | 7.74% | 7.96% | n/a | |
| Total Risk-Based Capital | 13.09% | 13.25% | 12.67% | 11.70% | 11.97% | 12.17% | 12.85% | 13.33% | +163 bps | |
| Equity / Assets | 8.53% | 8.61% | 7.87% | 7.49% | 7.45% | 7.59% | 7.65% | 8.15% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.60% | 79.90% | 76.08% | 78.49% | 76.92% | 76.80% | 75.00% | 75.66% | -283 bps | |
| Liquid Assets / Assets | 9.45% | 9.94% | 13.99% | 10.09% | 12.05% | 10.38% | 14.06% | 13.89% | +380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |