El Paso, TX · Cert 21724
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.93% | 0.85% | 1.11% | 1.11% | 1.11% | 1.05% | 1.31% | +20 bps | |
| Return on Equity | n/a | 7.49% | 6.67% | 8.40% | 8.24% | 8.49% | 8.32% | 10.59% | +218 bps | |
| Net Interest Margin | 4.43% | 4.76% | 4.42% | 4.53% | 4.54% | 4.58% | 4.43% | 4.44% | -9 bps | |
| Efficiency Ratio | 74.07% | 75.83% | 71.85% | 64.96% | 63.49% | 62.13% | 70.39% | 66.01% | +105 bps | |
| Non-Interest Burden | 3.01% | 3.33% | 2.85% | 2.42% | 2.64% | 2.52% | 2.90% | 2.62% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.69% | 21.79% | 15.92% | 13.58% | 12.44% | -5.93% | -0.24% | 0.71% | -1,287 bps | |
| Loan Growth (YoY) | 8.61% | 28.31% | 29.44% | 33.37% | 30.07% | 12.01% | 15.07% | 11.51% | -2,186 bps | |
| Deposit Growth (YoY) | -1.96% | 21.83% | 15.51% | 14.60% | 12.39% | -6.64% | -0.65% | 0.84% | -1,375 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 | 0.23% | 0.77% | 0.39% | 0.67% | 0.19% | 0.40% | 0.09% | 0.15% | -51 bps | |
| Allowance / Loans | 1.24% | 1.40% | 1.32% | 1.22% | 1.21% | 1.25% | 1.20% | 1.20% | -2 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 | 12.94% | 14.57% | 15.05% | 15.09% | 15.40% | 13.92% | 13.33% | 12.70% | -239 bps | |
| Equity / Assets | 12.29% | 12.47% | 13.03% | 13.41% | 13.48% | 12.74% | 12.54% | 12.21% | -120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.43% | 63.55% | 68.34% | 71.90% | 74.57% | 76.25% | 79.16% | 79.51% | +761 bps | |
| Liquid Assets / Assets | 0.06% | 2.46% | 3.43% | 1.71% | 0.43% | 1.20% | 1.64% | 0.65% | -107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |