Kingsland, TX · Cert 18717
FDIC
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.
Kingsland, TX · Cert 18717
FDIC
Q1 2003
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 2.16% | 1.51% | -0.32% | -0.96% | -0.16% | 0.30% | 0.36% | +68 bps | |
| Return on Equity | n/a | n/a | n/a | -2.44% | -7.39% | -1.23% | 2.25% | 2.65% | +509 bps | |
| Net Interest Margin | 4.22% | 3.79% | 3.51% | 1.93% | 1.91% | 2.31% | 2.51% | 1.68% | -25 bps | |
| Efficiency Ratio | 54.18% | 55.72% | 65.89% | 90.63% | 83.75% | 74.96% | 68.74% | 85.07% | -556 bps | |
| Non-Interest Burden | 2.00% | 1.79% | 2.11% | 1.67% | 1.43% | 1.49% | 1.40% | 1.32% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | 1.96% | 0.65% | 1.13% | -4.69% | -6.37% | -3.23% | -1.91% | -304 bps | |
| Loan Growth (YoY) | -2.03% | -11.36% | -23.50% | -11.92% | -13.70% | -18.20% | -9.08% | -21.40% | -948 bps | |
| Deposit Growth (YoY) | 0.37% | 2.19% | 1.46% | 2.92% | -4.14% | -6.44% | -3.53% | -2.03% | -494 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 | -0.10% | -0.10% | 0.00% | 0.32% | 3.39% | 2.43% | 2.57% | 0.24% | -7 bps | |
| Allowance / Loans | 1.13% | 1.17% | 1.29% | 1.60% | 1.82% | 1.94% | 1.72% | 1.83% | +22 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 | 36.72% | 29.74% | 30.89% | 29.61% | 29.94% | 31.47% | 33.32% | 46.30% | +1,669 bps | |
| Equity / Assets | 13.50% | 13.32% | 13.02% | 12.87% | 13.06% | 13.45% | 13.66% | 13.53% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.17% | 41.02% | 35.00% | 36.76% | 37.96% | 35.87% | 32.98% | 29.49% | -727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |