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Letter portraitLegal landscapeQuarterYTD

Bank of Houston

Houston, TX · Cert 57965

FDIC

Q1 2014

$1.0BAssets
$785.8MLoans
$817.4MDeposits
$89.9MEquity
Loan mix
65%RE $409.1M33%C&I $205.6M2%Consumer $12.1MQ1 2013Q1 2014
Deposit mix
62%Interest-bearing $505.6M38%Noninterest $311.8MQ1 2013Q1 2014

NIM

4.32%Q1 ’124.32%Q1 ’134.09%Q1 ’14+3%-4%

Non-interest income vs. expense

2.57%Q1 ’122.50%Q1 ’132.27%Q1 ’14-10%-8%

Executive Summary

  • Earnings: ROA of 1.14%, down 1 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.09%.
  • Funding: loans stand at 96.12% of deposits as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

1.14%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-16 bps YoY

Efficiency Ratio (YTD, annualized)

56.14%-243 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets1.15%1.19%1.22%1.22%1.14%-1 bps
Return on Equity13.08%13.69%13.82%13.66%12.67%-40 bps
Net Interest Margin4.00%3.91%3.94%3.79%3.83%-16 bps
Efficiency Ratio58.57%57.40%56.80%58.21%56.14%-243 bps
Non-Interest Burden2.23%2.13%2.13%2.11%2.06%-17 bps
Growth
Asset Growth (YoY)9.84%15.32%10.41%2.88%17.74%+791 bps
Loan Growth (YoY)24.05%24.02%24.36%17.58%19.76%-429 bps
Deposit Growth (YoY)7.59%12.59%7.73%5.97%12.11%+452 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.04%0.09%+9 bps
Allowance / Loans0.95%0.92%0.89%0.74%0.70%-25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.11%11.80%12.01%11.82%11.36%-75 bps
Equity / Assets8.98%8.63%9.07%9.37%8.64%-33 bps
Liquidity & Funding
Loans / Deposits89.98%88.72%93.30%90.86%96.12%+615 bps
Liquid Assets / Assets8.23%3.40%3.98%4.18%3.11%-512 bps
CRE / Total Capitaln/an/an/an/an/an/an/a