Seven Points, TX · Cert 18853
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 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.
Seven Points, TX · Cert 18853
FDIC
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 1.55% | 1.56% | 1.57% | 1.33% | 1.25% | 1.33% | 1.46% | -11 bps | |
| Return on Equity | 21.14% | 14.25% | 14.54% | 14.72% | 12.47% | 11.89% | 12.65% | 13.80% | -92 bps | |
| Net Interest Margin | 4.63% | 4.14% | 4.03% | 4.04% | 4.03% | 3.88% | 3.82% | 3.74% | -29 bps | |
| Efficiency Ratio | 61.63% | 70.23% | 70.08% | 70.10% | 73.82% | 75.13% | 73.72% | 73.37% | +326 bps | |
| Non-Interest Burden | 2.13% | 2.59% | 2.50% | 2.50% | 2.69% | 2.62% | 2.49% | 2.41% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.97% | -7.93% | 4.56% | 4.88% | 4.14% | 0.09% | -1.73% | 0.27% | -461 bps | |
| Loan Growth (YoY) | 4.07% | -2.30% | 1.90% | 0.36% | -3.34% | -2.11% | -6.38% | -5.93% | -629 bps | |
| Deposit Growth (YoY) | -13.33% | -9.09% | 6.17% | 6.22% | 4.85% | 0.21% | -1.56% | -0.14% | -636 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 | 0.44% | 0.07% | 0.29% | 0.19% | 0.37% | 0.02% | -0.02% | -0.01% | -20 bps | |
| Allowance / Loans | 1.45% | 1.46% | 1.31% | 1.35% | 1.22% | 1.23% | 1.28% | 1.30% | -5 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 | 18.46% | 19.29% | 17.86% | 18.40% | 18.11% | 18.75% | 19.00% | 20.66% | +226 bps | |
| Equity / Assets | 11.05% | 10.70% | 10.50% | 10.52% | 10.48% | 10.63% | 10.35% | 10.90% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.11% | 57.15% | 57.63% | 57.33% | 57.26% | 55.82% | 54.80% | 54.00% | -332 bps | |
| Liquid Assets / Assets | 6.06% | 9.97% | 9.76% | 12.25% | 13.37% | 12.78% | 10.94% | 8.94% | -331 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |