Houston, TX · Cert 57965
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.02% | 1.03% | 1.15% | 1.19% | 1.22% | 1.22% | 1.14% | -1 bps | |
| Return on Equity | 10.88% | 11.44% | 11.64% | 13.08% | 13.69% | 13.82% | 13.66% | 12.67% | -40 bps | |
| Net Interest Margin | 3.64% | 3.73% | 3.57% | 4.00% | 3.91% | 3.94% | 3.79% | 3.83% | -16 bps | |
| Efficiency Ratio | 63.79% | 63.43% | 62.93% | 58.57% | 57.40% | 56.80% | 58.21% | 56.14% | -243 bps | |
| Non-Interest Burden | 2.27% | 2.31% | 2.20% | 2.23% | 2.13% | 2.13% | 2.11% | 2.06% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.12% | 21.32% | 19.90% | 9.84% | 15.32% | 10.41% | 2.88% | 17.74% | +791 bps | |
| Loan Growth (YoY) | 13.53% | 14.14% | 22.04% | 24.05% | 24.02% | 24.36% | 17.58% | 19.76% | -429 bps | |
| Deposit Growth (YoY) | 29.93% | 24.36% | 23.34% | 7.59% | 12.59% | 7.73% | 5.97% | 12.11% | +452 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 | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.04% | 0.09% | +9 bps | |
| Allowance / Loans | 1.09% | 1.05% | 0.98% | 0.95% | 0.92% | 0.89% | 0.74% | 0.70% | -25 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 | 12.95% | 12.69% | 12.23% | 12.11% | 11.80% | 12.01% | 11.82% | 11.36% | -75 bps | |
| Equity / Assets | 8.92% | 8.98% | 8.57% | 8.98% | 8.63% | 9.07% | 9.37% | 8.64% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.55% | 80.82% | 81.89% | 89.98% | 88.72% | 93.30% | 90.86% | 96.12% | +615 bps | |
| Liquid Assets / Assets | 12.40% | 13.94% | 13.34% | 8.23% | 3.40% | 3.98% | 4.18% | 3.11% | -512 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |