Houston, TX · Cert 58631
FDIC · 4 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 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 58631
FDIC · 4 branches
Q1 2018
Market Position · Houston-The Woodlands-Sugar Land, TX · 2017 SOD (annual) · 0.3% share · #29 of 97 inst. · $0.6B 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 | 0.81% | 0.98% | 1.07% | 1.21% | 1.21% | 1.26% | 1.08% | 1.39% | +18 bps | |
| Return on Equity | 7.92% | 9.64% | 10.47% | 11.79% | 11.82% | 12.27% | 10.42% | 12.57% | +78 bps | |
| Net Interest Margin | 3.85% | 3.64% | 3.71% | 3.95% | 3.95% | 3.91% | 3.90% | 4.37% | +42 bps | |
| Efficiency Ratio | 54.90% | 52.78% | 52.53% | 55.64% | 54.19% | 53.06% | 55.26% | 51.11% | -453 bps | |
| Non-Interest Burden | 1.94% | 1.69% | 1.72% | 2.05% | 2.02% | 1.97% | 2.06% | 2.15% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.89% | 16.44% | 8.38% | 17.16% | 9.53% | 10.80% | 7.87% | -0.29% | -1,745 bps | |
| Loan Growth (YoY) | 9.25% | 21.27% | 23.12% | 13.51% | 18.88% | 10.66% | 9.82% | 13.88% | +36 bps | |
| Deposit Growth (YoY) | 12.12% | 12.87% | 2.65% | 10.88% | 7.35% | 13.15% | 9.33% | -6.35% | -1,723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.16% | 0.51% | 0.26% | 0.43% | 0.98% | +82 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.01% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 1.17% | 1.20% | 1.23% | 1.23% | 1.15% | 1.19% | 1.21% | 1.30% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 7.7x | 2.3x | 4.7x | 2.8x | 1.3x | -6.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.55% | 10.03% | 10.34% | 10.60% | 10.44% | 10.30% | 10.19% | 11.11% | +51 bps | |
| Total Risk-Based Capital | 13.32% | 12.80% | 13.03% | 13.41% | 12.82% | 13.11% | 13.45% | 13.55% | +14 bps | |
| Equity / Assets | 9.92% | 9.94% | 10.56% | 10.03% | 10.25% | 10.17% | 10.90% | 11.19% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.07% | 99.25% | 102.89% | 93.39% | 101.96% | 97.08% | 103.36% | 113.56% | +2,018 bps | |
| Liquid Assets / Assets | 13.44% | 10.46% | 9.07% | 14.68% | 8.39% | 11.35% | 7.30% | 4.39% | -1,029 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |