Katy, TX · Cert 58417
FDIC · 4 branches
Q1 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2017 SOD (annual) · 0.1% share · #59 of 97 inst. · $0.2B of $240.9B
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.49% | 0.74% | 0.92% | 0.88% | 0.93% | 0.61% | 0.27% | -65 bps | |
| Return on Equity | 2.85% | 3.70% | 5.79% | 7.94% | 7.62% | 8.20% | 5.48% | 2.48% | -546 bps | |
| Net Interest Margin | 3.37% | 3.25% | 3.21% | 3.40% | 3.43% | 3.38% | 3.28% | 3.42% | +3 bps | |
| Efficiency Ratio | 88.45% | 84.95% | 77.11% | 62.80% | 65.58% | 66.24% | 68.92% | 92.57% | +2,977 bps | |
| Non-Interest Burden | 2.88% | 2.65% | 2.23% | 1.70% | 1.89% | 1.89% | 1.92% | 3.11% | +141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.19% | 12.04% | 18.78% | 24.66% | 18.91% | 21.40% | 17.35% | 13.54% | -1,111 bps | |
| Loan Growth (YoY) | 17.25% | 26.11% | 24.36% | 33.50% | 26.11% | 31.62% | 15.46% | 16.19% | -1,730 bps | |
| Deposit Growth (YoY) | -0.46% | 6.87% | 18.72% | 21.09% | 22.40% | 21.81% | 17.46% | 13.30% | -778 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.23% | 0.21% | 0.19% | 0.00% | 0.00% | -23 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.01% | -0.02% | -0.06% | -0.04% | -0.02% | 0.17% | -0.07% | -1 bps | |
| Allowance / Loans | 1.38% | 1.33% | 1.27% | 1.27% | 1.25% | 1.24% | 1.22% | 1.21% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 5.6x | 6.0x | 6.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.58% | 12.57% | 12.32% | 11.96% | 11.72% | 11.37% | 10.86% | 11.00% | -96 bps | |
| Total Risk-Based Capital | 15.27% | 14.55% | 14.68% | 14.65% | 14.25% | 14.10% | 14.68% | 14.37% | -28 bps | |
| Equity / Assets | 12.97% | 12.42% | 11.67% | 11.38% | 11.50% | 10.92% | 10.73% | 10.64% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.14% | 85.14% | 86.52% | 83.83% | 91.84% | 91.99% | 85.04% | 85.96% | +214 bps | |
| Liquid Assets / Assets | 2.96% | 4.37% | 3.72% | 7.30% | 3.11% | 5.23% | 10.78% | 11.17% | +387 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |