Houston, TX · Cert 58378
FDIC · 8 branches
Q3 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2018 SOD (annual) · 0.3% share · #28 of 97 inst. · $0.6B 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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.80% | 0.89% | 1.00% | 0.91% | 0.99% | 1.07% | 0.30% | -70 bps | |
| Return on Equity | 4.16% | 8.85% | 10.02% | 11.13% | 10.13% | 10.62% | 11.11% | 3.07% | -806 bps | |
| Net Interest Margin | 4.40% | 4.60% | 4.58% | 4.62% | 4.65% | 4.66% | 4.95% | 4.93% | +32 bps | |
| Efficiency Ratio | 68.03% | 72.64% | 71.10% | 69.57% | 67.69% | 73.82% | 73.59% | 96.39% | +2,682 bps | |
| Non-Interest Burden | 2.84% | 3.26% | 3.13% | 3.02% | 2.94% | 3.32% | 3.53% | 4.74% | +172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.43% | 3.87% | 3.99% | 2.71% | 8.00% | 2.62% | -9.52% | -5.07% | -778 bps | |
| Loan Growth (YoY) | 5.93% | 1.65% | -0.79% | 1.76% | -0.97% | -3.47% | -3.05% | -0.44% | -220 bps | |
| Deposit Growth (YoY) | 8.88% | 10.64% | 10.10% | 10.44% | 13.12% | 10.63% | -3.91% | -1.96% | -1,239 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.96% | 2.30% | 2.10% | 2.59% | 1.08% | 1.16% | 1.77% | -33 bps | |
| Net Charge-Offs / Loans | 1.04% | -0.03% | 0.02% | 0.02% | 0.13% | 0.11% | 0.10% | 0.06% | +4 bps | |
| Allowance / Loans | 1.25% | 1.28% | 1.25% | 1.26% | 1.20% | 1.20% | 1.15% | 1.15% | -11 bps | |
| Allowance Coverage of NPLs | n/a | 1.3x | 0.5x | 0.6x | 0.5x | 1.1x | 1.0x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 9.12% | 9.22% | 9.49% | 9.70% | 9.83% | 10.24% | 9.76% | +27 bps | |
| Total Risk-Based Capital | 11.52% | 11.63% | 11.93% | 12.26% | 12.53% | 12.32% | 12.24% | 11.57% | -69 bps | |
| Equity / Assets | 9.00% | 8.99% | 8.74% | 9.20% | 9.23% | 9.39% | 10.37% | 9.74% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.62% | 102.77% | 97.51% | 94.73% | 91.60% | 89.67% | 98.38% | 96.20% | +147 bps | |
| Liquid Assets / Assets | 7.32% | 8.04% | 12.09% | 11.06% | 15.05% | 12.14% | 3.91% | 5.04% | -602 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |