Houston, TX · Cert 58679
FDIC · 2 branches
Q2 2015
Market Position · Houston-The Woodlands-Sugar Land, TX · 2015 SOD (annual) · 0.1% share · #53 of 103 inst. · $0.2B of $215.2B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.61% | 0.78% | 0.33% | 0.52% | 0.60% | 0.24% | 0.31% | -2 bps | |
| Return on Equity | 6.14% | 7.01% | 9.64% | 4.03% | 6.17% | 7.03% | 1.80% | 2.04% | -199 bps | |
| Net Interest Margin | 3.55% | 3.23% | 3.78% | 3.95% | 3.76% | 3.73% | 2.06% | 2.87% | -108 bps | |
| Efficiency Ratio | 77.08% | 75.81% | 70.69% | 69.39% | 67.72% | 67.21% | 66.64% | 65.85% | -354 bps | |
| Non-Interest Burden | 2.72% | 2.43% | 2.63% | 2.71% | 2.51% | 2.47% | 1.27% | 1.82% | -89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.43% | 22.21% | 26.53% | 19.39% | -5.28% | -1.83% | 1.56% | -4.95% | -2,434 bps | |
| Loan Growth (YoY) | 20.58% | 35.37% | 32.94% | 33.52% | 16.93% | 3.22% | -3.07% | -11.13% | -4,466 bps | |
| Deposit Growth (YoY) | 35.59% | 25.10% | 32.76% | 21.14% | -4.78% | -2.93% | -6.61% | -14.56% | -3,570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.09% | 0.96% | 0.93% | 0.89% | 0.95% | 0.94% | 0.10% | 0.25% | -64 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 9.94% | 10.35% | n/a | |
| Total Risk-Based Capital | 12.26% | 11.95% | 11.60% | 11.36% | 12.33% | 12.52% | 12.55% | 13.43% | +207 bps | |
| Equity / Assets | 7.44% | 8.04% | 8.09% | 8.49% | 8.98% | 9.35% | 16.87% | 18.66% | +1,017 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.79% | 81.50% | 82.29% | 87.04% | 84.47% | 86.67% | 85.41% | 90.53% | +349 bps | |
| Liquid Assets / Assets | 9.69% | 9.32% | 10.44% | 15.25% | 16.83% | 18.94% | 14.79% | 12.65% | -261 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |