San Juan, TX · Cert 16819
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.48% | 0.24% | 0.27% | 0.39% | 0.94% | 0.78% | 0.48% | +21 bps | |
| Return on Equity | n/a | n/a | 2.81% | 3.14% | 4.48% | 11.10% | 8.93% | 5.35% | +220 bps | |
| Net Interest Margin | n/a | 4.34% | 3.74% | 3.69% | 4.19% | 4.20% | 4.48% | 4.28% | +58 bps | |
| Efficiency Ratio | n/a | 86.44% | 92.79% | 91.33% | 89.84% | 73.05% | 77.38% | 85.95% | -538 bps | |
| Non-Interest Burden | n/a | 3.62% | 3.41% | 3.29% | 3.68% | 2.75% | 3.29% | 3.55% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -1.31% | 0.78% | 4.40% | 4.60% | 4.81% | -0.19% | 0.69% | -371 bps | |
| Loan Growth (YoY) | -1.16% | 0.95% | 6.13% | 9.96% | 9.96% | 9.63% | 9.65% | 7.57% | -238 bps | |
| Deposit Growth (YoY) | -2.10% | -2.13% | 0.69% | 4.94% | 4.89% | 4.97% | -0.95% | -0.05% | -499 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 | 0.39% | 0.00% | -0.09% | 0.90% | -0.04% | 0.22% | 0.00% | +9 bps | |
| Allowance / Loans | n/a | 2.21% | 2.10% | 2.08% | 1.85% | 1.84% | 1.69% | 1.69% | -38 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 | 18.16% | 17.79% | 17.44% | 16.20% | 14.38% | 14.66% | 14.19% | -325 bps | |
| Equity / Assets | n/a | 8.75% | 8.65% | 8.70% | 8.55% | 8.42% | 9.05% | 8.91% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.63% | 47.39% | 49.05% | 49.60% | 50.98% | 49.49% | 54.30% | 53.38% | +378 bps | |
| Liquid Assets / Assets | 0.00% | 19.12% | 9.37% | 11.07% | 25.68% | 23.49% | 24.12% | 13.45% | +239 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |