Fort Worth, TX · Charter 17889
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Fort Worth, TX · Charter 17889
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.74% | 0.53% | 0.75% | 1.09% | 1.25% | 1.25% | 1.38% | +63 bps | |
| Return on Equity | n/a | 9.10% | 7.60% | 10.22% | 14.79% | 16.05% | 15.22% | 15.92% | +570 bps | |
| Net Interest Margin | 4.24% | 4.00% | 3.36% | 3.53% | 3.76% | 3.79% | 3.83% | 4.16% | +63 bps | |
| Efficiency Ratio | 83.62% | 81.22% | 83.97% | 78.48% | 70.78% | 66.96% | 67.46% | 66.95% | -1,153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | 6.40% | 28.52% | 24.06% | 41.74% | 31.36% | 8.13% | 4.05% | -2,001 bps | |
| Loan Growth (YoY) | 10.80% | 19.55% | 95.49% | 44.00% | 41.12% | 21.78% | -0.49% | -8.13% | -5,212 bps | |
| Share Growth (YoY) | 0.38% | 5.43% | 29.42% | 24.12% | 43.09% | 31.90% | 6.69% | 2.53% | -2,159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.43% | 0.65% | 0.00% | 0.36% | 0.33% | 0.00% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 1.73% | 1.50% | 1.09% | 0.99% | 1.02% | 1.09% | 0.85% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 8.09% | 7.01% | 7.38% | 7.40% | 7.80% | 8.19% | 8.69% | +131 bps | |
| Net Worth / Assets | n/a | 8.09% | 7.01% | 7.38% | 7.40% | 7.80% | 8.19% | 8.69% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.80% | 81.48% | 78.47% | 77.86% | 75.74% | 75.22% | 73.19% | 69.76% | -809 bps | |
| Liquid Assets / Assets | 0.00% | 25.54% | 26.56% | 27.34% | 28.68% | 29.54% | 31.82% | 34.98% | +765 bps | |