Needville, TX · Cert 11930
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 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.
Needville, TX · Cert 11930
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 0.78% | 0.98% | 0.90% | 1.29% | 0.58% | -0.30% | 0.88% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | -2.46% | 7.07% | n/a | |
| Net Interest Margin | n/a | n/a | 5.71% | 5.41% | 5.29% | 5.06% | 4.45% | 4.53% | -88 bps | |
| Efficiency Ratio | n/a | n/a | 81.95% | 80.97% | 80.49% | 88.31% | 92.34% | 88.94% | +797 bps | |
| Non-Interest Burden | n/a | n/a | 4.46% | 4.16% | 4.04% | 4.34% | 4.03% | 3.90% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.88% | -3.17% | 5.31% | 6.27% | 8.97% | 10.40% | 5.00% | 0.73% | -554 bps | |
| Loan Growth (YoY) | -8.40% | 3.27% | 9.81% | 5.93% | 14.21% | 7.08% | 0.00% | -3.43% | -936 bps | |
| Deposit Growth (YoY) | -1.78% | -6.07% | 2.89% | 5.09% | 7.89% | 11.48% | 6.67% | 0.40% | -469 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.38% | 0.18% | +18 bps | |
| Allowance / Loans | n/a | n/a | 1.68% | 1.55% | 1.63% | 1.76% | 1.68% | 0.97% | -58 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 | 29.48% | 27.91% | 29.06% | 24.99% | 27.41% | 26.81% | -109 bps | |
| Equity / Assets | n/a | n/a | 13.25% | 13.07% | 13.74% | 12.13% | 11.95% | 13.41% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.67% | 33.90% | 37.20% | 40.16% | 36.70% | 32.57% | 34.87% | 38.63% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 3.69% | 7.31% | 6.42% | 3.28% | 3.36% | 3.49% | -383 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |