Houston, TX · Cert 57729
FDIC · 13 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 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 57729
FDIC · 13 branches
Q3 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.5% share · #23 of 97 inst. · $1.1B 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.12% | 1.47% | 1.39% | 1.40% | 1.42% | 1.50% | 1.40% | +1 bps | |
| Return on Equity | 10.04% | 10.34% | 13.50% | 12.82% | 12.85% | 12.92% | 13.38% | 12.64% | -18 bps | |
| Net Interest Margin | 3.87% | 4.02% | 3.79% | 3.75% | 3.70% | 3.89% | 3.92% | 3.78% | +3 bps | |
| Efficiency Ratio | 57.41% | 57.38% | 52.21% | 52.38% | 52.56% | 52.64% | 51.95% | 54.77% | +239 bps | |
| Non-Interest Burden | 2.14% | 2.22% | 1.77% | 1.81% | 1.81% | 1.98% | 1.97% | 2.00% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.37% | 2.67% | 24.49% | 21.33% | 26.62% | 25.34% | 6.52% | 7.49% | -1,384 bps | |
| Loan Growth (YoY) | 4.30% | 9.73% | 21.03% | 25.42% | 23.91% | 19.84% | 7.36% | 4.90% | -2,052 bps | |
| Deposit Growth (YoY) | 2.77% | 2.15% | 22.93% | 19.20% | 24.91% | 22.61% | 4.51% | 6.55% | -1,265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.59% | 0.46% | 0.37% | 0.38% | 0.43% | 0.08% | 0.17% | -20 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.00% | 0.00% | 0.00% | 0.10% | 0.12% | 0.07% | +7 bps | |
| Allowance / Loans | 1.21% | 1.19% | 1.09% | 1.07% | 1.05% | 1.05% | 0.99% | 0.98% | -8 bps | |
| Allowance Coverage of NPLs | n/a | 2.0x | 2.4x | 2.9x | 2.7x | 2.4x | 12.7x | 5.8x | +3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 10.57% | 10.82% | 10.67% | 10.61% | 11.00% | 11.29% | 10.74% | +7 bps | |
| Total Risk-Based Capital | 13.71% | 13.23% | 13.79% | 13.85% | 14.05% | 14.41% | 14.44% | 13.95% | +10 bps | |
| Equity / Assets | 10.89% | 10.84% | 10.88% | 10.86% | 10.83% | 11.16% | 11.56% | 10.90% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.11% | 94.27% | 92.85% | 92.68% | 91.37% | 92.14% | 95.38% | 91.24% | -144 bps | |
| Liquid Assets / Assets | 8.72% | 8.26% | 8.38% | 7.45% | 10.15% | 9.63% | 8.13% | 8.53% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |