Seven Points, TX · Cert 18853
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 1.55% | 1.56% | 1.58% | 0.59% | 1.25% | 1.40% | 1.73% | +15 bps | |
| Return on Equity | 4.38% | 14.25% | 14.76% | 15.02% | 5.62% | 11.89% | 13.30% | 16.29% | +127 bps | |
| Net Interest Margin | 4.41% | 4.14% | 4.04% | 4.08% | 3.99% | 3.88% | 3.77% | 3.69% | -38 bps | |
| Efficiency Ratio | 79.90% | 70.23% | 69.93% | 70.16% | 85.01% | 75.13% | 72.30% | 72.67% | +251 bps | |
| Non-Interest Burden | 3.30% | 2.59% | 2.48% | 2.53% | 3.23% | 2.62% | 2.37% | 2.32% | -20 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 | 1.10% | 0.07% | 0.50% | -0.03% | 0.91% | 0.02% | -0.06% | 0.02% | +5 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 |