Houston, TX · Cert 57285
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 57285
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.60% | 0.66% | 0.65% | 0.53% | 0.66% | 0.59% | 0.52% | -13 bps | |
| Return on Equity | 4.10% | 5.84% | 6.35% | 6.20% | 5.03% | 6.39% | 5.75% | 5.05% | -116 bps | |
| Net Interest Margin | 3.21% | 3.48% | 3.61% | 3.65% | 3.54% | 3.32% | 3.35% | 3.38% | -27 bps | |
| Efficiency Ratio | 77.60% | 80.89% | 80.83% | 81.09% | 81.84% | 79.05% | 80.72% | 82.32% | +122 bps | |
| Non-Interest Burden | 2.34% | 2.71% | 2.82% | 2.91% | 2.86% | 2.46% | 2.59% | 2.71% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.63% | 19.29% | 21.04% | 11.95% | 3.70% | 6.77% | 6.27% | 5.04% | -691 bps | |
| Loan Growth (YoY) | 31.59% | 35.23% | 24.19% | 1.17% | -7.60% | -5.19% | -3.91% | 6.40% | +523 bps | |
| Deposit Growth (YoY) | 28.03% | 20.85% | 22.79% | 12.61% | 1.63% | 6.97% | 6.83% | 5.33% | -728 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 | 0.07% | 0.00% | 0.13% | 0.12% | 0.15% | 0.00% | 0.03% | -0.02% | -14 bps | |
| Allowance / Loans | 1.15% | 1.24% | 1.14% | 1.27% | 1.29% | 1.33% | 1.24% | 1.28% | +1 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 | 15.67% | 16.59% | 16.12% | 18.87% | 18.70% | 18.16% | 14.78% | 17.61% | -125 bps | |
| Equity / Assets | 10.03% | 10.63% | 10.65% | 10.65% | 10.29% | 10.44% | 10.20% | 10.19% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.20% | 75.39% | 77.72% | 68.12% | 70.19% | 66.82% | 69.91% | 68.81% | +70 bps | |
| Liquid Assets / Assets | 13.43% | 11.69% | 12.95% | 22.38% | 18.91% | 16.07% | 14.72% | 16.88% | -549 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |