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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.64% | 0.63% | 0.73% | 0.86% | 0.60% | 0.62% | 0.80% | +7 bps | |
| Return on Equity | 5.96% | 5.91% | 5.85% | 6.92% | 8.25% | 5.65% | 5.73% | 7.49% | +57 bps | |
| Net Interest Margin | 2.84% | 2.86% | 3.02% | 2.90% | 2.87% | 2.70% | 2.85% | 3.03% | +12 bps | |
| Efficiency Ratio | 77.50% | 77.99% | 79.40% | 76.31% | 78.02% | 79.01% | 74.39% | 74.95% | -136 bps | |
| Non-Interest Burden | 1.92% | 2.07% | 2.12% | 1.87% | 2.06% | 1.96% | 1.92% | 2.06% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.79% | 6.84% | 8.16% | 10.29% | 10.27% | 8.57% | 5.11% | 4.86% | -543 bps | |
| Loan Growth (YoY) | -1.94% | 3.42% | 7.54% | 12.39% | 12.95% | 11.98% | 9.02% | 14.10% | +170 bps | |
| Deposit Growth (YoY) | 3.61% | 1.69% | 0.18% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.59% | 0.68% | 0.04% | 0.03% | 0.12% | 0.17% | -0.05% | -0.18% | -22 bps | |
| Allowance / Loans | 1.69% | 1.47% | 1.36% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 10.27% | 10.49% | 10.33% | n/a | |
| Total Risk-Based Capital | 15.62% | 15.31% | 14.55% | 13.87% | 13.11% | 12.71% | 12.40% | 12.26% | -161 bps | |
| Equity / Assets | 10.63% | 10.96% | 10.75% | 10.47% | 10.34% | 10.79% | 10.83% | 10.63% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.33% | 87.37% | 91.10% | 88.19% | 85.90% | 88.52% | 93.96% | 102.60% | +1,441 bps | |
| Liquid Assets / Assets | 1.53% | 2.76% | 4.46% | 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 | n/a | n/a | n/a |