Honey Grove, TX · Cert 3258
FDIC · 9 branches
Q3 2015
Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.4% share · #24 of 103 inst. · $0.9B 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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.72% | 0.60% | 0.61% | 0.67% | 0 bps | |
| Return on Equity | 6.23% | 6.75% | 5.65% | 5.69% | 6.30% | +6 bps | |
| Net Interest Margin | 2.81% | 2.77% | 2.70% | 2.78% | 2.80% | -1 bps | |
| Efficiency Ratio | 77.86% | 77.90% | 79.01% | 76.68% | 76.06% | -180 bps | |
| Non-Interest Burden | 1.94% | 1.93% | 1.96% | 1.94% | 1.94% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.29% | 10.27% | 8.57% | 5.11% | 4.86% | -543 bps | |
| Loan Growth (YoY) | 12.39% | 12.95% | 11.98% | 9.02% | 14.10% | +170 bps | |
| Deposit Growth (YoY) | 2.94% | 6.94% | 10.52% | 5.71% | -1.93% | -487 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.20% | 0.17% | 0.06% | -0.03% | -26 bps | |
| Allowance / Loans | 1.32% | 1.16% | 1.09% | 1.06% | 1.00% | -32 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 10.27% | 10.49% | 10.33% | n/a | |
| Total Risk-Based Capital | 13.87% | 13.11% | 12.71% | 12.40% | 12.26% | -161 bps | |
| Equity / Assets | 10.47% | 10.34% | 10.79% | 10.83% | 10.63% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.19% | 85.90% | 88.52% | 93.96% | 102.60% | +1,441 bps | |
| Liquid Assets / Assets | 2.32% | 4.22% | 3.10% | 1.71% | 4.71% | +239 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |