Houston, TX · Cert 32265
FDIC · 5 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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 32265
FDIC · 5 branches
Q3 2019
Market Position · Houston-The Woodlands-Sugar Land, TX · 2019 SOD (annual) · 0.1% share · #53 of 95 inst. · $0.2B of $249.6B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 1.02% | 0.98% | 1.01% | 1.13% | 0.87% | -0.60% | 0.30% | -71 bps | |
| Return on Equity | 5.31% | 7.05% | 6.84% | 6.92% | 7.68% | 5.53% | -3.88% | 2.10% | -481 bps | |
| Net Interest Margin | 3.74% | 3.62% | 3.58% | 3.68% | 3.73% | 4.01% | 4.02% | 1.10% | -258 bps | |
| Efficiency Ratio | 71.37% | 63.55% | 64.36% | 65.35% | 64.06% | 70.86% | 111.15% | 69.02% | +367 bps | |
| Non-Interest Burden | 2.64% | 2.26% | 2.27% | 2.37% | 2.30% | 2.80% | 4.49% | 0.74% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.70% | 4.00% | 5.03% | 0.92% | -3.00% | 0.86% | -2.16% | 22.49% | +2,158 bps | |
| Loan Growth (YoY) | 3.19% | 3.26% | -3.74% | -0.13% | 8.97% | 8.89% | 6.51% | 0.49% | +62 bps | |
| Deposit Growth (YoY) | 24.57% | 3.49% | 5.04% | 0.07% | -4.52% | -0.12% | -3.66% | 28.07% | +2,800 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 0.92% | 1.32% | 0.90% | 1.09% | 0.60% | 2.06% | 1.04% | +14 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.01% | -0.01% | -0.04% | -0.14% | 0.00% | -0.07% | 0.00% | +3 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.11% | 1.10% | 1.04% | 1.01% | 1.03% | 0.04% | -107 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 0.8x | 1.2x | 1.0x | 1.7x | 0.5x | 0.0x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.07% | 15.55% | 15.60% | 15.92% | 16.44% | 17.55% | 16.60% | 8.27% | -765 bps | |
| Total Risk-Based Capital | 27.19% | 27.74% | 28.11% | 28.59% | 28.21% | 28.97% | 29.20% | 16.62% | -1,196 bps | |
| Equity / Assets | 13.75% | 15.30% | 14.09% | 15.57% | 15.30% | 16.32% | 14.73% | 11.37% | -420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.26% | 72.50% | 64.82% | 71.31% | 72.20% | 79.05% | 71.66% | 55.95% | -1,536 bps | |
| Liquid Assets / Assets | 42.98% | 36.05% | 41.54% | 36.39% | 36.27% | 31.15% | 36.58% | 39.38% | +299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |