Sugar Land, TX · Cert 58671
FDIC · 5 branches
Q4 2021
Market Position · Houston-The Woodlands-Sugar Land, TX · 2021 SOD (annual) · 0.1% share · #50 of 95 inst. · $0.4B of $333.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 1.05% | 0.72% | -0.54% | 1.11% | 1.05% | 1.04% | 1.19% | +173 bps | |
| Return on Equity | 4.56% | 9.22% | 6.69% | -4.91% | 10.00% | 9.81% | 9.82% | 11.20% | +1,610 bps | |
| Net Interest Margin | 3.79% | 4.01% | 3.30% | 4.05% | 4.19% | 4.22% | 3.94% | 3.81% | -24 bps | |
| Efficiency Ratio | 79.17% | 69.75% | 74.32% | 90.37% | 68.18% | 71.72% | 71.65% | 71.76% | -1,862 bps | |
| Non-Interest Burden | 2.95% | 2.72% | 2.35% | 3.64% | 2.67% | 2.83% | 2.61% | 2.45% | -119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.68% | 24.73% | 23.27% | 13.35% | 19.40% | 5.62% | 9.72% | 17.32% | +397 bps | |
| Loan Growth (YoY) | 13.78% | 21.73% | 17.07% | 14.23% | 22.74% | 2.92% | 4.05% | 1.83% | -1,240 bps | |
| Deposit Growth (YoY) | 12.69% | 13.96% | 14.82% | 8.02% | 13.08% | 12.50% | 14.49% | 19.12% | +1,110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 1.56% | 0.53% | 0.52% | 0.83% | 0.48% | 0.48% | 0.50% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.15% | 0.73% | -0.01% | -0.01% | -0.01% | 0.00% | -73 bps | |
| Allowance / Loans | 1.21% | 1.09% | 1.13% | 1.28% | 1.21% | 1.27% | 1.26% | 1.30% | +2 bps | |
| Allowance Coverage of NPLs | 3.3x | 0.7x | 2.2x | 2.5x | 1.5x | 2.6x | 2.6x | 2.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.85% | 10.83% | 10.36% | 10.74% | 10.82% | 10.76% | 10.35% | 10.50% | -23 bps | |
| Total Risk-Based Capital | 14.23% | 10.83% | 10.36% | 10.74% | 10.82% | 10.76% | 10.35% | 10.50% | -23 bps | |
| Equity / Assets | 12.37% | 10.59% | 10.91% | 11.28% | 10.91% | 10.60% | 10.58% | 10.60% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.66% | 102.91% | 100.45% | 101.79% | 104.91% | 94.15% | 91.28% | 87.01% | -1,478 bps | |
| Liquid Assets / Assets | 7.41% | 13.70% | 13.45% | 10.43% | 7.53% | 16.50% | 14.76% | 16.66% | +622 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |