Dallas, TX · Cert 19258
FDIC
Q4 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.12% | 1.10% | 1.06% | 0.68% | 0.91% | 0.83% | 0.73% | -33 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.10% | 8.12% | 7.57% | 6.51% | n/a | |
| Net Interest Margin | 4.23% | 4.25% | 4.14% | 3.97% | 3.44% | 3.63% | 3.52% | 3.41% | -56 bps | |
| Efficiency Ratio | 64.58% | 65.81% | 66.05% | 67.12% | 74.33% | 68.26% | 69.58% | 71.24% | +413 bps | |
| Non-Interest Burden | 2.39% | 2.46% | 2.39% | 2.33% | 2.31% | 2.17% | 2.15% | 2.14% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.79% | 0.92% | 2.35% | 3.82% | 3.61% | 8.63% | -1.81% | -2.22% | -604 bps | |
| Loan Growth (YoY) | 9.76% | 6.31% | 8.43% | 6.54% | 6.16% | 9.15% | 10.14% | 4.51% | -204 bps | |
| Deposit Growth (YoY) | 3.07% | -1.21% | 0.95% | 3.15% | 3.36% | 8.57% | -0.69% | -3.02% | -617 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 | 0.04% | 0.02% | 0.11% | 0.09% | 0.30% | 0.17% | 0.21% | 0.59% | +51 bps | |
| Allowance / Loans | 1.71% | 1.77% | 1.67% | 1.63% | 1.61% | 1.60% | 1.50% | 1.18% | -45 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 | 24.81% | 24.31% | 20.95% | 20.63% | 20.21% | 20.24% | 18.62% | 15.15% | -548 bps | |
| Equity / Assets | 10.68% | 11.26% | 11.16% | 11.15% | 11.08% | 11.32% | 10.31% | 11.97% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.29% | 48.97% | 48.63% | 49.33% | 48.58% | 49.23% | 53.93% | 53.16% | +383 bps | |
| Liquid Assets / Assets | 12.98% | 13.22% | 12.02% | 10.74% | 8.97% | 7.74% | 6.97% | 4.44% | -630 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |