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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.48% | 1.23% | 0.48% | 1.18% | 1.70% | 1.83% | 1.63% | +114 bps | |
| Return on Equity | 11.65% | 13.52% | 10.70% | 4.16% | 10.09% | 14.56% | 15.66% | 13.52% | +936 bps | |
| Net Interest Margin | 3.54% | 3.76% | 3.79% | 3.75% | 3.89% | 4.00% | 3.88% | 3.88% | +13 bps | |
| Efficiency Ratio | 50.17% | 44.14% | 46.08% | 52.91% | 46.34% | 45.79% | 44.11% | 45.21% | -769 bps | |
| Non-Interest Burden | 1.55% | 1.42% | 1.60% | 1.83% | 1.57% | 1.60% | 1.47% | 1.55% | -27 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% | 0.17% | 0.05% | 0.06% | -0.01% | 0.42% | 0.03% | 0.61% | +54 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 |