Trinity, TX · Cert 26435
FDIC · 18 branches
Q4 2015
Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.1% share · #54 of 103 inst. · $0.2B 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.77% | 0.77% | 0.76% | 0.65% | 0.72% | 0.85% | 5.54% | +479 bps | |
| Return on Equity | 7.19% | 7.97% | 7.92% | 7.74% | 6.33% | 6.95% | 8.21% | 51.08% | +4,334 bps | |
| Net Interest Margin | 3.87% | 3.83% | 3.75% | 3.69% | 3.62% | 3.55% | 3.56% | 3.74% | +5 bps | |
| Efficiency Ratio | 83.19% | 81.15% | 80.99% | 81.24% | 82.69% | 81.04% | 79.13% | 79.01% | -223 bps | |
| Non-Interest Burden | 3.19% | 3.06% | 2.99% | 2.96% | 2.96% | 2.83% | 2.69% | 2.74% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 1.28% | -0.32% | 1.38% | -0.74% | -0.91% | -0.01% | 3.46% | +208 bps | |
| Loan Growth (YoY) | 18.30% | 9.25% | 2.09% | 0.16% | 1.51% | 4.57% | 3.63% | 3.80% | +364 bps | |
| Deposit Growth (YoY) | 2.22% | 1.59% | -0.39% | 1.01% | -1.45% | -1.36% | -0.80% | -1.40% | -241 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 | 0.04% | 0.04% | 0.05% | 0.09% | 0.00% | 0.03% | -0.02% | 0.03% | -6 bps | |
| Allowance / Loans | 1.36% | 1.36% | 1.33% | 1.28% | 1.27% | 1.22% | 1.24% | 1.20% | -8 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 | 10.38% | 10.52% | 10.73% | 10.07% | n/a | |
| Total Risk-Based Capital | 12.90% | 13.35% | 13.59% | 13.48% | 13.82% | 13.62% | 13.69% | 12.33% | -115 bps | |
| Equity / Assets | 9.65% | 9.82% | 9.94% | 10.06% | 10.40% | 10.42% | 10.61% | 12.69% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.41% | 82.56% | 83.20% | 83.01% | 85.91% | 87.53% | 86.92% | 87.40% | +438 bps | |
| Liquid Assets / Assets | 5.06% | 6.57% | 6.95% | 7.06% | 5.02% | 4.17% | 5.66% | 4.81% | -225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |