Houston, TX · Cert 58142
FDIC · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 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 58142
FDIC · 3 branches
Q2 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.2% share · #46 of 97 inst. · $0.4B 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.01% | 0.93% | 0.38% | 0.64% | 0.58% | 1.45% | 1.46% | +108 bps | |
| Return on Equity | 9.60% | 9.73% | 8.73% | 3.52% | 5.92% | 5.50% | 14.05% | 13.81% | +1,029 bps | |
| Net Interest Margin | 3.59% | 3.49% | 3.58% | 3.63% | 3.60% | 3.59% | 3.87% | 3.87% | +24 bps | |
| Efficiency Ratio | 69.63% | 66.81% | 62.42% | 61.74% | 60.84% | 60.14% | 54.75% | 54.67% | -706 bps | |
| Non-Interest Burden | 2.45% | 2.28% | 2.18% | 2.18% | 2.13% | 2.10% | 2.06% | 2.06% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.70% | 2.05% | -1.75% | -0.58% | -0.47% | 1.71% | 3.38% | 2.22% | +280 bps | |
| Loan Growth (YoY) | 0.86% | 3.22% | -6.61% | -0.88% | -1.83% | 1.19% | 11.90% | 5.41% | +629 bps | |
| Deposit Growth (YoY) | -4.48% | -1.03% | 4.74% | 0.42% | 2.98% | 11.37% | 1.12% | 1.11% | +68 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.30% | 0.32% | 0.29% | 0.21% | 0.19% | 0.17% | -15 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.22% | 0.00% | 1.21% | 0.80% | 0.39% | 0.00% | 0.00% | -121 bps | |
| Allowance / Loans | 0.99% | 0.98% | 1.06% | 1.00% | 0.98% | 1.11% | 1.09% | 1.12% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.6x | 3.1x | 3.4x | 5.4x | 5.8x | 6.7x | +3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.66% | 10.68% | 10.86% | 10.96% | 10.77% | 10.39% | 10.76% | 11.22% | +26 bps | |
| Total Risk-Based Capital | 13.63% | 13.91% | 14.79% | 14.03% | 13.69% | 13.23% | 13.80% | 14.58% | +55 bps | |
| Equity / Assets | 10.68% | 10.60% | 10.72% | 10.92% | 10.75% | 10.16% | 10.47% | 11.17% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.88% | 93.12% | 80.36% | 88.92% | 86.63% | 84.61% | 88.93% | 92.71% | +378 bps | |
| Liquid Assets / Assets | 7.35% | 6.87% | 10.36% | 5.61% | 7.00% | 6.47% | 5.65% | 4.48% | -113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |