Krum, TX · Cert 16674
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.16% | 2.66% | 2.46% | 1.22% | 2.10% | 2.24% | 2.77% | 1.04% | -18 bps | |
| Return on Equity | 39.67% | 32.00% | 28.67% | 14.75% | 25.99% | 28.56% | 35.84% | 13.32% | -142 bps | |
| Net Interest Margin | 5.66% | 5.37% | 5.31% | 5.17% | 5.13% | 5.28% | 5.26% | 4.97% | -20 bps | |
| Efficiency Ratio | 63.91% | 66.58% | 65.74% | 73.35% | 69.63% | 71.27% | 68.48% | 84.15% | +1,080 bps | |
| Non-Interest Burden | 1.98% | 1.93% | 1.86% | 2.73% | 2.31% | 2.54% | 2.17% | 3.66% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.75% | 21.48% | 20.59% | 14.69% | 13.82% | 20.13% | 16.27% | 24.05% | +935 bps | |
| Loan Growth (YoY) | 23.42% | 21.93% | 20.55% | 10.34% | 9.98% | 17.73% | 18.09% | 25.66% | +1,532 bps | |
| Deposit Growth (YoY) | 16.74% | 20.67% | 20.08% | 14.43% | 13.62% | 21.56% | 16.87% | 24.73% | +1,030 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 | 0.36% | 0.66% | 0.90% | 1.53% | 0.76% | 0.23% | 0.25% | 1.35% | -18 bps | |
| Allowance / Loans | 0.67% | 0.70% | 0.77% | 0.67% | 0.71% | 0.72% | 0.71% | 0.43% | -24 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 | 11.07% | 11.68% | 11.96% | 11.25% | 11.67% | 10.94% | 11.09% | 10.63% | -62 bps | |
| Equity / Assets | 8.05% | 8.59% | 8.55% | 7.94% | 8.22% | 7.50% | 7.98% | 7.62% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.18% | 83.84% | 82.69% | 80.76% | 78.58% | 81.19% | 83.55% | 81.36% | +60 bps | |
| Liquid Assets / Assets | 0.93% | 0.05% | 0.03% | 0.00% | 0.43% | 0.39% | 0.39% | 0.36% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |