Houston, TX · Cert 26937
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 26937
FDIC
Q4 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.95% | 1.00% | 0.99% | 1.07% | 1.05% | 1.06% | 0.72% | -26 bps | |
| Return on Equity | 7.87% | 7.81% | 8.18% | 7.97% | 8.41% | 8.42% | 8.61% | 5.90% | -207 bps | |
| Net Interest Margin | 3.89% | 3.73% | 3.78% | 3.78% | 3.45% | 3.41% | 3.45% | 3.45% | -33 bps | |
| Efficiency Ratio | 64.66% | 65.68% | 65.75% | 67.02% | 67.22% | 65.82% | 66.65% | 74.62% | +760 bps | |
| Non-Interest Burden | 2.34% | 2.25% | 2.27% | 2.32% | 1.99% | 1.94% | 2.02% | 2.38% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.85% | 5.92% | 1.60% | 1.37% | 3.59% | -2.56% | 1.64% | 2.83% | +146 bps | |
| Loan Growth (YoY) | -5.74% | 2.11% | 2.36% | 2.82% | 5.07% | 5.29% | 4.94% | 10.03% | +722 bps | |
| Deposit Growth (YoY) | -2.85% | 6.03% | 0.72% | 0.66% | 3.35% | -3.81% | 1.30% | 2.61% | +195 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 | 0.29% | 0.41% | 0.54% | 0.54% | 0.47% | 0.34% | 0.29% | 0.11% | -43 bps | |
| Allowance / Loans | 2.80% | 2.56% | 2.34% | 2.22% | 2.00% | 1.84% | 1.71% | 1.53% | -70 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.23% | 17.01% | 17.64% | 17.80% | 17.76% | 16.07% | 16.40% | 16.21% | -160 bps | |
| Equity / Assets | 12.32% | 12.01% | 12.68% | 12.82% | 12.73% | 11.91% | 11.96% | 11.98% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.70% | 79.27% | 81.91% | 81.44% | 81.02% | 86.76% | 84.86% | 87.33% | +589 bps | |
| Liquid Assets / Assets | 7.50% | 10.76% | 8.20% | 8.34% | 8.75% | 5.30% | 7.39% | 10.37% | +203 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |