New Waverly, TX · Cert 10336
FDIC
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.97% | -2.37% | 0.65% | 0.70% | 0.79% | +276 bps | |
| Return on Equity | -13.53% | -16.24% | 4.41% | 4.73% | 5.39% | +1,891 bps | |
| Net Interest Margin | 3.39% | 3.66% | 3.69% | 3.86% | 3.89% | +50 bps | |
| Efficiency Ratio | 166.03% | 153.71% | 76.31% | 75.24% | 72.76% | -9,327 bps | |
| Non-Interest Burden | 6.22% | 6.14% | 2.55% | 2.64% | 2.57% | -365 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.27% | 2.48% | -8.82% | -0.89% | -1.98% | -825 bps | |
| Loan Growth (YoY) | 4.18% | 1.33% | -0.02% | 11.03% | 15.08% | +1,090 bps | |
| Deposit Growth (YoY) | 9.42% | 4.48% | -8.74% | -1.75% | -6.34% | -1,576 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 1.35% | 0.00% | -0.03% | 0.11% | -12 bps | |
| Allowance / Loans | 1.17% | 1.56% | 1.61% | 1.56% | 1.39% | +22 bps | |
| Allowance Coverage of NPLs | 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 | n/a |
| Total Risk-Based Capital | 11.09% | 11.75% | 12.04% | 11.70% | 11.39% | +30 bps | |
| Equity / Assets | 13.40% | 14.67% | 15.03% | 14.44% | 14.49% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.98% | 90.01% | 91.99% | 92.54% | 101.95% | +1,897 bps | |
| Liquid Assets / Assets | 0.54% | 0.49% | 0.00% | 0.00% | 0.00% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |