Amarillo, TX · Cert 19427
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Amarillo, TX · Cert 19427
FDIC
Q2 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 1.47% | 1.55% | 2.28% | 2.09% | 1.97% | 1.36% | 0.55% | -173 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 8.70% | 3.04% | n/a | |
| Net Interest Margin | n/a | n/a | 4.95% | 5.05% | 5.00% | 4.80% | 3.91% | 1.48% | -357 bps | |
| Efficiency Ratio | n/a | n/a | 44.81% | 48.45% | 50.34% | 51.02% | 56.39% | 53.36% | +492 bps | |
| Non-Interest Burden | n/a | n/a | 1.75% | 1.97% | 2.06% | 1.99% | 1.81% | 0.66% | -132 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.66% | 23.49% | 15.79% | 11.10% | 3.06% | -3.41% | -2.26% | 0.04% | -1,106 bps | |
| Loan Growth (YoY) | 36.65% | 26.03% | 20.22% | 7.93% | 8.10% | -2.62% | -8.34% | -11.19% | -1,913 bps | |
| Deposit Growth (YoY) | 16.98% | 12.66% | 7.03% | 8.11% | -4.81% | 5.59% | 4.65% | -3.51% | -1,163 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 | n/a | n/a | 0.13% | -1.33% | -0.82% | -0.49% | 0.21% | 0.01% | +133 bps | |
| Allowance / Loans | n/a | n/a | 1.73% | 1.97% | 1.87% | 1.80% | 1.86% | 5.65% | +368 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 | n/a | n/a | 17.04% | 18.11% | 17.24% | 18.60% | 19.81% | 17.91% | -20 bps | |
| Equity / Assets | n/a | n/a | 14.32% | 14.66% | 14.60% | 15.24% | 16.00% | 22.73% | +807 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.45% | 114.11% | 117.66% | 109.54% | 124.31% | 105.24% | 103.06% | 100.82% | -872 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.00% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |