Dallas, TX · Cert 10360
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Dallas, TX · Cert 10360
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.28% | 2.63% | 2.72% | 2.81% | 2.73% | 3.00% | 2.94% | 2.89% | +8 bps | |
| Return on Equity | n/a | 34.00% | 33.67% | 34.41% | 33.24% | 33.38% | 31.11% | 31.13% | -328 bps | |
| Net Interest Margin | 4.27% | 3.97% | 4.05% | 3.95% | 3.80% | 3.47% | 3.41% | 3.29% | -66 bps | |
| Efficiency Ratio | 49.13% | 49.44% | 49.78% | 49.18% | 50.79% | 48.81% | 50.39% | 50.63% | +145 bps | |
| Non-Interest Burden | 1.00% | 0.99% | 0.98% | 0.86% | 0.86% | 0.44% | 0.39% | 0.33% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 39.97% | 12.80% | 6.70% | 6.69% | -21.49% | 2.90% | 6.42% | -28 bps | |
| Loan Growth (YoY) | 12.38% | 9.20% | 16.61% | 26.55% | 14.96% | 14.30% | -5.98% | -8.94% | -3,548 bps | |
| Deposit Growth (YoY) | -0.56% | 46.75% | 13.52% | 6.98% | 6.62% | -24.80% | 1.17% | 6.07% | -92 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 | 0.06% | 0.02% | 0.01% | 0.01% | 0.06% | -0.02% | 0.10% | 0.07% | +6 bps | |
| Allowance / Loans | 1.54% | 1.51% | 1.40% | 1.30% | 1.39% | 1.45% | 1.58% | 1.52% | +22 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 | 32.84% | 26.77% | 30.03% | 34.96% | 35.32% | 40.72% | 49.91% | 43.98% | +902 bps | |
| Equity / Assets | 9.06% | 6.76% | 8.88% | 8.43% | 8.39% | 9.58% | 10.41% | 8.80% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 22.86% | 16.69% | 25.46% | 25.96% | 24.65% | 25.37% | 23.66% | 22.29% | -367 bps | |
| Liquid Assets / Assets | 40.45% | 31.50% | 42.90% | 37.72% | 26.26% | 24.17% | 24.32% | 34.41% | -331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |