Houston, TX · Cert 35007
FDIC · 23 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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 35007
FDIC · 23 branches
Q4 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.9% share · #15 of 97 inst. · $2.1B of $245.7B
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.36% | 1.32% | 1.11% | 1.18% | 1.43% | 1.57% | 1.58% | +48 bps | |
| Return on Equity | 11.65% | 12.56% | 11.91% | 9.89% | 10.09% | 12.34% | 13.45% | 13.45% | +356 bps | |
| Net Interest Margin | 3.54% | 3.61% | 3.64% | 3.61% | 3.89% | 3.92% | 3.84% | 3.81% | +19 bps | |
| Efficiency Ratio | 50.17% | 47.05% | 46.73% | 48.31% | 46.34% | 46.06% | 45.40% | 45.36% | -295 bps | |
| Non-Interest Burden | 1.55% | 1.47% | 1.50% | 1.56% | 1.57% | 1.57% | 1.51% | 1.51% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.18% | 8.97% | 5.77% | 6.77% | 4.50% | 5.40% | 6.42% | 3.54% | -323 bps | |
| Loan Growth (YoY) | -5.19% | -2.45% | -0.30% | 3.32% | 4.56% | 3.52% | 9.54% | 6.68% | +336 bps | |
| Deposit Growth (YoY) | 11.97% | 4.78% | 2.78% | 0.62% | 0.87% | 2.03% | 0.19% | 3.74% | +312 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.90% | 1.62% | 2.10% | 1.70% | 2.20% | 1.77% | 2.02% | 1.72% | +2 bps | |
| Net Charge-Offs / Loans | -0.07% | 0.05% | 0.05% | 0.05% | -0.01% | 0.21% | 0.14% | 0.26% | +20 bps | |
| Allowance / Loans | 0.90% | 0.82% | 0.89% | 0.89% | 1.16% | 1.09% | 1.04% | 0.96% | +6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.5x | 0.5x | 0.6x | 0.5x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 9.63% | 10.13% | 10.11% | 10.39% | 10.56% | 10.69% | 10.83% | +72 bps | |
| Total Risk-Based Capital | 11.24% | 11.67% | 12.56% | 12.40% | 13.01% | 12.95% | 12.90% | 13.12% | +73 bps | |
| Equity / Assets | 10.78% | 11.16% | 11.75% | 11.53% | 11.76% | 11.53% | 11.78% | 12.27% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.66% | 92.70% | 90.21% | 93.86% | 90.86% | 94.05% | 98.64% | 96.52% | +266 bps | |
| Liquid Assets / Assets | 6.40% | 3.23% | 4.01% | 3.00% | 4.30% | 6.17% | 3.99% | 3.26% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |