Pasadena, TX · Cert 58319
FDIC · 6 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Pasadena, TX · Cert 58319
FDIC · 6 branches
Q4 2021
Market Position · Houston-The Woodlands-Sugar Land, TX · 2021 SOD (annual) · 0.1% share · #47 of 95 inst. · $0.5B of $333.7B
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -0.33% | 0.13% | 0.32% | 0.72% | 0.88% | 0.84% | 0.73% | +42 bps | |
| Return on Equity | -9.10% | -3.36% | 1.32% | 3.27% | 7.06% | 8.58% | 8.01% | 7.01% | +375 bps | |
| Net Interest Margin | 3.95% | 4.01% | 4.02% | 4.11% | 3.69% | 3.54% | 3.68% | 3.58% | -53 bps | |
| Efficiency Ratio | 103.68% | 92.12% | 88.85% | 85.94% | 86.14% | 82.99% | 83.62% | 84.05% | -188 bps | |
| Non-Interest Burden | 4.11% | 3.50% | 3.30% | 3.29% | 3.02% | 2.80% | 3.01% | 2.95% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.82% | 7.26% | 7.01% | 3.37% | 5.81% | -7.19% | -7.60% | 2.19% | -117 bps | |
| Loan Growth (YoY) | -12.17% | 5.90% | 5.59% | 2.47% | 7.34% | -13.61% | -20.33% | -14.28% | -1,674 bps | |
| Deposit Growth (YoY) | -7.51% | 3.35% | 2.42% | -0.41% | 10.55% | 2.28% | 4.99% | 15.15% | +1,556 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.22% | 3.13% | 3.04% | 3.34% | 2.84% | 1.99% | 2.12% | 2.23% | -111 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.77% | 0.50% | 0.38% | 0.32% | 0.14% | 0.06% | 0.03% | -36 bps | |
| Allowance / Loans | 2.18% | 1.70% | 1.59% | 1.77% | 1.55% | 1.56% | 1.75% | 1.81% | +4 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.5x | 0.5x | 0.5x | 0.5x | 0.8x | 0.8x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.98% | 9.54% | 9.97% | 10.34% | 10.62% | 10.55% | 10.83% | 10.60% | +25 bps | |
| Total Risk-Based Capital | 13.30% | 14.04% | 14.64% | 15.45% | 15.90% | 16.02% | 16.89% | 16.52% | +107 bps | |
| Equity / Assets | 9.96% | 8.94% | 9.54% | 10.18% | 10.12% | 10.56% | 11.14% | 10.39% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.23% | 105.66% | 106.36% | 99.74% | 96.35% | 89.25% | 80.71% | 74.25% | -2,549 bps | |
| Liquid Assets / Assets | 15.45% | 13.48% | 11.87% | 15.76% | 15.20% | 19.21% | 23.09% | 28.91% | +1,315 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |