Matador, TX · Cert 1205
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 1.00% | 0.84% | 0.93% | 1.05% | 0.61% | 2.05% | 1.09% | +16 bps | |
| Return on Equity | 7.19% | 9.31% | 8.25% | 8.72% | 9.47% | 5.58% | 19.51% | 10.13% | +141 bps | |
| Net Interest Margin | 3.75% | 3.30% | 3.44% | 3.30% | 3.88% | 3.58% | 3.62% | 3.55% | +25 bps | |
| Efficiency Ratio | 75.59% | 77.60% | 75.81% | 72.88% | 66.67% | 74.22% | 53.16% | 61.65% | -1,123 bps | |
| Non-Interest Burden | 2.68% | 2.38% | 2.48% | 2.22% | 2.37% | 2.50% | 1.43% | 1.99% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.39% | -2.90% | -0.50% | -0.44% | 1.90% | 2.38% | 10.30% | 11.51% | +1,196 bps | |
| Loan Growth (YoY) | 10.53% | -8.36% | -4.28% | 9.63% | 13.55% | 26.89% | -5.13% | -11.58% | -2,121 bps | |
| Deposit Growth (YoY) | 3.79% | -3.13% | -0.36% | -0.21% | 2.27% | 1.62% | 10.16% | 11.46% | +1,167 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 | 0.00% | -3.53% | 0.00% | 0.00% | 0.00% | -2.78% | 0.00% | 0.63% | +63 bps | |
| Allowance / Loans | 3.80% | 4.29% | 3.96% | 3.53% | 3.34% | 3.38% | 4.18% | 3.83% | +31 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 | 28.63% | 27.59% | 27.04% | 27.16% | 26.59% | 26.45% | 29.17% | 30.11% | +296 bps | |
| Equity / Assets | 11.39% | 10.07% | 10.30% | 11.15% | 11.10% | 10.65% | 10.41% | 11.18% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.81% | 22.27% | 24.18% | 29.04% | 29.77% | 27.80% | 20.83% | 23.04% | -600 bps | |
| Liquid Assets / Assets | 66.68% | 63.37% | 63.54% | 67.28% | 65.44% | 65.99% | 61.41% | 68.32% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |