Stephenville, TX · Cert 11573
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 0.62% | 1.59% | 1.79% | 1.62% | 2.12% | 2.08% | 1.79% | 0 bps | |
| Return on Equity | 18.42% | 6.87% | 17.27% | 19.20% | 17.91% | 23.45% | 23.25% | 20.28% | +108 bps | |
| Net Interest Margin | 4.25% | 4.12% | 4.24% | 4.00% | 3.94% | 4.03% | 4.03% | 4.12% | +12 bps | |
| Efficiency Ratio | 47.01% | 51.26% | 53.63% | 51.22% | 54.27% | 44.77% | 47.64% | 50.86% | -36 bps | |
| Non-Interest Burden | 1.28% | 1.57% | 1.67% | 1.40% | 1.65% | 0.92% | 1.00% | 1.51% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 10.32% | 6.96% | 7.00% | 7.01% | 6.63% | 4.40% | 4.22% | -278 bps | |
| Loan Growth (YoY) | 5.73% | 0.05% | -2.38% | -3.11% | 1.80% | 6.00% | 1.11% | 6.35% | +946 bps | |
| Deposit Growth (YoY) | 5.32% | 6.93% | 4.16% | 5.46% | 7.26% | 6.23% | 7.46% | 4.58% | -88 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 | 1.56% | 2.92% | 0.50% | -0.05% | -0.37% | 0.00% | -0.01% | 0.07% | +12 bps | |
| Allowance / Loans | 1.03% | 1.10% | 1.09% | 1.06% | 1.16% | 1.13% | 1.21% | 1.12% | +6 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 | 16.17% | 16.61% | 16.96% | 16.67% | 16.75% | 16.57% | 16.42% | 15.54% | -112 bps | |
| Equity / Assets | 9.22% | 8.93% | 9.49% | 9.16% | 8.99% | 9.12% | 8.76% | 8.90% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.25% | 60.29% | 60.79% | 60.05% | 57.19% | 60.16% | 57.20% | 61.07% | +102 bps | |
| Liquid Assets / Assets | 15.01% | 13.64% | 13.12% | 12.62% | 10.46% | 10.10% | 7.90% | 6.78% | -584 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |