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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.39% | 1.42% | 1.57% | 1.24% | 0 bps | |
| Return on Equity | 11.39% | 12.81% | 12.92% | 13.83% | 11.05% | -34 bps | |
| Net Interest Margin | 4.00% | 3.93% | 3.89% | 3.99% | 3.76% | -24 bps | |
| Efficiency Ratio | 52.70% | 53.09% | 52.64% | 51.29% | 60.39% | +769 bps | |
| Non-Interest Burden | 2.04% | 2.01% | 1.98% | 1.98% | 2.20% | +16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.33% | 26.62% | 25.34% | 6.52% | 7.49% | -1,384 bps | |
| Loan Growth (YoY) | 25.42% | 23.91% | 19.84% | 7.36% | 4.90% | -2,052 bps | |
| Deposit Growth (YoY) | 19.20% | 24.91% | 22.61% | 4.51% | 6.55% | -1,265 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.38% | 0.43% | 0.08% | 0.17% | -20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.10% | 0.14% | -0.01% | -1 bps | |
| Allowance / Loans | 1.07% | 1.05% | 1.05% | 0.99% | 0.98% | -8 bps | |
| Allowance Coverage of NPLs | 2.9x | 2.7x | 2.4x | 12.7x | 5.8x | +3.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.67% | 10.61% | 11.00% | 11.29% | 10.74% | +7 bps | |
| Total Risk-Based Capital | 13.85% | 14.05% | 14.41% | 14.44% | 13.95% | +10 bps | |
| Equity / Assets | 10.86% | 10.83% | 11.16% | 11.56% | 10.90% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.68% | 91.37% | 92.14% | 95.38% | 91.24% | -144 bps | |
| Liquid Assets / Assets | 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 |