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 (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 | 0.56% | 0.81% | 0.78% | 0.44% | 1.11% | 1.08% | 1.07% | 1.10% | +66 bps | |
| Return on Equity | 4.56% | 6.91% | 6.83% | 3.86% | 10.00% | 9.90% | 9.87% | 10.22% | +636 bps | |
| Net Interest Margin | 3.79% | 3.70% | 3.41% | 3.70% | 4.19% | 4.14% | 3.90% | 3.83% | +13 bps | |
| Efficiency Ratio | 79.17% | 74.06% | 74.15% | 78.45% | 68.18% | 69.99% | 70.56% | 70.88% | -757 bps | |
| Non-Interest Burden | 2.95% | 2.68% | 2.46% | 2.85% | 2.67% | 2.71% | 2.56% | 2.51% | -34 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% | -0.01% | -0.06% | 0.14% | -0.01% | -0.01% | -0.01% | -0.01% | -15 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 |