Corpus Christi, TX · Cert 20919
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Corpus Christi, TX · Cert 20919
FDIC
Q3 2001
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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 0.97% | 0.83% | 0.77% | 0.56% | 0.78% | 0.92% | 0.99% | +22 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.00% | 3.86% | 3.63% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 77.22% | 74.22% | 71.08% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.73% | 2.49% | 2.18% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 83.59% | 85.35% | 75.08% | 54.09% | 26.99% | 23.94% | 31.69% | 45.30% | -879 bps | |
| Loan Growth (YoY) | 73.36% | 106.44% | 89.50% | 94.69% | 63.65% | 38.10% | 37.37% | 39.74% | -5,495 bps | |
| Deposit Growth (YoY) | 95.36% | 88.40% | 66.27% | 66.19% | 32.82% | 24.77% | 31.04% | 32.93% | -3,326 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 | n/a | n/a | n/a | 1.37% | 0.80% | 0.52% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.18% | 1.05% | 0.98% | n/a | |
| 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 | n/a | n/a | n/a | 10.58% | 10.17% | 9.60% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 8.94% | 8.20% | 7.84% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.55% | 72.11% | 75.99% | 71.63% | 77.06% | 79.81% | 79.66% | 75.29% | +367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.29% | 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 |