Detroit, TX · Cert 26372
FDIC · 5 branches
Q4 2019
Market Position · Houston-The Woodlands-Sugar Land, TX · 2019 SOD (annual) · 0.1% share · #66 of 95 inst. · $0.1B of $249.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.49% | 1.66% | 1.48% | 1.21% | 1.64% | 1.80% | 0.19% | -130 bps | |
| Return on Equity | 11.45% | 12.08% | 13.25% | 11.66% | 9.42% | 12.51% | 13.66% | 1.42% | -1,024 bps | |
| Net Interest Margin | 4.43% | 4.59% | 4.69% | 4.44% | 4.39% | 4.82% | 4.78% | 4.57% | +13 bps | |
| Efficiency Ratio | 60.77% | 56.04% | 53.14% | 60.53% | 61.50% | 53.21% | 55.00% | 94.71% | +3,419 bps | |
| Non-Interest Burden | 2.57% | 2.44% | 2.37% | 2.54% | 2.59% | 2.42% | 2.46% | 4.29% | +175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 6.67% | 4.28% | 11.69% | 7.63% | 6.38% | 9.79% | 6.21% | -548 bps | |
| Loan Growth (YoY) | 4.58% | 8.38% | 7.83% | 10.08% | 7.86% | 5.48% | 13.25% | 9.28% | -81 bps | |
| Deposit Growth (YoY) | 8.91% | 9.42% | 8.24% | 12.35% | 6.88% | 8.93% | 9.20% | 5.46% | -690 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.33% | 0.32% | 0.76% | 0.61% | 0.50% | 0.27% | 0.69% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.04% | 0.27% | 0.05% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.19% | 1.16% | 1.22% | 1.24% | 1.25% | 1.26% | 1.18% | 1.20% | -4 bps | |
| Allowance Coverage of NPLs | 3.4x | 3.6x | 3.8x | 1.6x | 2.0x | 2.5x | 4.4x | 1.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.41% | 11.54% | 11.66% | 11.81% | 12.22% | 12.28% | 12.34% | 12.01% | +20 bps | |
| Total Risk-Based Capital | 14.01% | 13.81% | 14.41% | 14.54% | 14.97% | 14.51% | 14.52% | 14.40% | -15 bps | |
| Equity / Assets | 12.35% | 12.35% | 12.79% | 12.66% | 13.05% | 13.14% | 13.21% | 13.17% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.13% | 103.56% | 100.03% | 97.96% | 98.02% | 100.28% | 103.74% | 101.51% | +355 bps | |
| Liquid Assets / Assets | 3.47% | 1.80% | 1.93% | 4.66% | 3.77% | 3.01% | 1.27% | 3.61% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |