Denton, TX · Cert 10348
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Denton, TX · Cert 10348
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.05% | 1.01% | 0.90% | 0.97% | 0.95% | 0.93% | 1.22% | +32 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.95% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.71% | 3.68% | 3.71% | 3.77% | 3.11% | -59 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.32% | 72.23% | 71.79% | 74.33% | 56.28% | -1,804 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.32% | 2.26% | 2.25% | 2.42% | 1.28% | -105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.41% | 45.24% | 44.73% | 55.03% | 36.86% | 11.05% | 3.52% | -1.37% | -5,640 bps | |
| Loan Growth (YoY) | 25.23% | 47.03% | 52.37% | 57.48% | 43.36% | 15.19% | 5.66% | -2.93% | -6,041 bps | |
| Deposit Growth (YoY) | 12.21% | 42.60% | 50.92% | 52.69% | 45.70% | 17.96% | 6.68% | 1.04% | -5,166 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 | n/a | n/a | n/a | 0.16% | 0.14% | 0.15% | 0.16% | 0.02% | -14 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.11% | 1.12% | 1.14% | 1.16% | 3.17% | +206 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | 12.81% | 13.02% | 12.96% | 13.32% | 12.05% | -76 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.83% | 8.88% | 9.16% | 9.13% | 18.24% | +941 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.11% | 76.41% | 73.01% | 75.70% | 73.90% | 74.61% | 72.31% | 72.72% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.07% | 0.05% | 0.01% | 0.01% | 0.01% | -6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |