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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.89% | 1.74% | 1.08% | 1.12% | 1.10% | 1.10% | 1.11% | 1.12% | 0 bps | |
| Return on Equity | 21.48% | 19.84% | 13.15% | 14.01% | 14.05% | 14.10% | 14.58% | 14.32% | +31 bps | |
| Net Interest Margin | 4.44% | 4.38% | 4.46% | 4.37% | 4.39% | 4.23% | 4.23% | 4.20% | -17 bps | |
| Efficiency Ratio | 66.06% | 65.66% | 67.67% | 68.03% | 67.25% | 66.98% | 68.75% | 68.10% | +7 bps | |
| Non-Interest Burden | 2.59% | 2.53% | 2.71% | 2.67% | 2.64% | 2.53% | 2.62% | 2.57% | -11 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 | 0.19% | 0.20% | 0.11% | 0.04% | 0.05% | 0.06% | 0.00% | 0.02% | -2 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 |