Sunray, TX · Cert 17026
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Sunray, TX · Cert 17026
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.20% | 1.37% | 1.71% | 1.40% | 1.23% | 0.83% | 0.10% | -161 bps | |
| Return on Equity | 12.48% | 13.72% | 15.47% | 19.52% | 16.47% | 14.83% | 10.08% | 1.31% | -1,821 bps | |
| Net Interest Margin | 4.07% | 4.11% | 4.21% | 3.53% | 3.44% | 3.49% | 3.59% | 3.49% | -4 bps | |
| Efficiency Ratio | 73.02% | 72.61% | 70.49% | 76.77% | 79.03% | 77.72% | 85.41% | 63.95% | -1,281 bps | |
| Non-Interest Burden | 2.87% | 2.85% | 2.80% | 2.59% | 2.63% | 2.60% | 2.99% | 2.07% | -53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 9.92% | 6.95% | 17.58% | 15.02% | 12.83% | 8.26% | 3.99% | -1,359 bps | |
| Loan Growth (YoY) | 0.44% | 3.65% | 2.76% | 11.09% | 17.64% | 18.52% | 14.28% | 9.89% | -120 bps | |
| Deposit Growth (YoY) | 2.44% | 0.14% | -0.52% | 10.76% | 10.38% | 7.27% | 8.27% | 4.15% | -661 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 | 1.10% | 0.71% | 0.22% | 1.10% | 0.49% | 0.26% | 0.21% | 0.07% | -103 bps | |
| Allowance / Loans | 1.25% | 1.17% | 1.47% | 1.25% | 1.18% | 1.18% | 1.25% | 1.98% | +73 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 | 14.87% | 14.32% | 14.56% | 13.03% | 12.35% | 12.71% | 12.71% | 13.26% | +23 bps | |
| Equity / Assets | 8.85% | 9.32% | 9.38% | 8.22% | 7.98% | 7.68% | 7.77% | 7.86% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.16% | 64.22% | 62.21% | 56.63% | 64.12% | 70.96% | 65.66% | 59.75% | +312 bps | |
| Liquid Assets / Assets | 0.13% | 0.09% | 0.11% | 0.13% | 0.15% | 0.15% | 0.11% | 0.14% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |