Sierra Blanca, TX · Cert 22002
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.
Sierra Blanca, TX · Cert 22002
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 | 0.06% | -3.18% | -10.46% | -13.04% | -6.95% | -7.47% | -4.49% | -3.39% | +966 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 | 4.11% | 4.29% | 5.11% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 88.21% | 100.29% | 101.59% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 3.42% | 4.31% | 5.21% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.94% | -3.96% | -7.26% | -18.70% | -8.27% | -7.17% | -8.09% | -12.99% | +571 bps | |
| Loan Growth (YoY) | 12.68% | 2.59% | -2.90% | -13.34% | -15.56% | -15.09% | -20.66% | -16.50% | -317 bps | |
| Deposit Growth (YoY) | 15.07% | -1.61% | -2.52% | -13.87% | -7.35% | -4.79% | -8.92% | -17.08% | -321 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 | 0.80% | 7.19% | 7.28% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 8.67% | 6.12% | 5.47% | 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 | 7.20% | 8.13% | 7.94% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 5.82% | 6.54% | 7.15% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.66% | 84.85% | 85.33% | 79.47% | 72.60% | 75.67% | 74.33% | 80.02% | +55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.46% | 13.18% | 10.18% | +1,018 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |