Houston, TX · Cert 3326
FDIC · 9 branches
Q4 2014
Market Position · Houston-The Woodlands-Sugar Land, TX · 2014 SOD (annual) · 0.2% share · #39 of 103 inst. · $0.4B of $242.5B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.12% | 1.04% | 1.08% | 1.03% | 0.99% | 0.99% | 0.93% | -15 bps | |
| Return on Equity | 6.88% | 8.13% | 7.45% | 7.63% | 7.09% | 6.79% | 6.88% | 6.53% | -110 bps | |
| Net Interest Margin | 3.97% | 4.02% | 4.02% | 4.05% | 4.14% | 3.99% | 3.88% | 3.76% | -29 bps | |
| Efficiency Ratio | 65.82% | 67.79% | 68.01% | 66.83% | 63.11% | 64.78% | 64.48% | 66.22% | -61 bps | |
| Non-Interest Burden | 2.54% | 2.67% | 2.67% | 2.65% | 2.54% | 2.51% | 2.43% | 2.41% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.71% | -2.73% | -1.30% | -3.61% | 4.38% | 5.07% | 10.26% | 12.38% | +1,600 bps | |
| Loan Growth (YoY) | -0.67% | -4.45% | 0.52% | 7.76% | 10.97% | 15.58% | 8.38% | 2.52% | -524 bps | |
| Deposit Growth (YoY) | -7.71% | -4.30% | -2.75% | -5.29% | 3.96% | 5.09% | 11.35% | 14.01% | +1,931 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 | 0.08% | 0.09% | 0.12% | 0.18% | -0.18% | -0.14% | -0.05% | 0.10% | -7 bps | |
| Allowance / Loans | 1.81% | 1.56% | 1.42% | 1.24% | 1.28% | 1.29% | 1.26% | 1.11% | -13 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 | 15.52% | 16.29% | 15.70% | 15.09% | 15.30% | 14.88% | 15.18% | 14.79% | -31 bps | |
| Equity / Assets | 13.81% | 14.29% | 14.36% | 14.88% | 14.24% | 14.54% | 13.97% | 13.74% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.12% | 81.10% | 85.69% | 92.96% | 87.66% | 89.20% | 83.41% | 83.60% | -937 bps | |
| Liquid Assets / Assets | 18.11% | 18.00% | 13.68% | 4.11% | 13.59% | 10.63% | 16.39% | 16.31% | +1,220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |