Dallas, TX · Cert 10360
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.68% | 2.63% | 2.57% | 3.08% | 2.48% | 3.00% | 2.90% | 2.83% | -25 bps | |
| Return on Equity | 29.39% | 34.00% | 33.41% | 35.61% | 29.55% | 33.38% | 29.01% | 29.60% | -601 bps | |
| Net Interest Margin | 4.20% | 3.97% | 4.06% | 3.90% | 3.49% | 3.47% | 3.29% | 3.14% | -76 bps | |
| Efficiency Ratio | 55.61% | 49.44% | 50.11% | 48.02% | 55.75% | 48.81% | 51.94% | 51.11% | +308 bps | |
| Non-Interest Burden | 1.44% | 0.99% | 0.95% | 0.66% | 0.89% | 0.44% | 0.33% | 0.21% | -45 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 | -0.02% | 0.02% | 0.00% | 0.00% | 0.21% | -0.02% | 0.22% | 0.00% | 0 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 |