PackageTrendsPeer
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Plaza Bank

San Antonio, TX · Cert 22270

FDIC

Q4 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Plaza Bank

San Antonio, TX · Cert 22270

FDIC

Q4 2003

$158.2MAssets
$64.2MLoans
$132.6MDeposits
$18.8MEquity
Deposit mix
85%Interest-bearing $112.7M15%Noninterest $19.9MQ4 2002Q4 2003

NIM

7.17%Q4 ’016.40%Q4 ’020.76%Q4 ’03+2%-88%

Non-interest income vs. expense

3.61%Q4 ’013.90%Q4 ’020.37%Q4 ’03+10%-91%

Executive Summary

  • Earnings: ROA of 0.26%, down 119 bps year over year; NIM at 0.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 48.43% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.26%-119 bps YoY

Net Interest Margin (YTD, annualized)

0.61%-433 bps YoY

Efficiency Ratio (YTD, annualized)

50.51%-1,707 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.44%2.07%2.19%2.13%0.26%-119 bps
Return on Equity20.24%29.16%31.30%30.99%3.01%-1,723 bps
Net Interest Margin4.94%5.36%5.06%4.89%0.61%-433 bps
Efficiency Ratio67.58%62.90%63.79%63.16%50.51%-1,707 bps
Non-Interest Burden3.07%3.03%2.91%2.78%0.28%-279 bps
Growth
Asset Growth (YoY)19.46%17.69%20.13%20.21%124.44%+10,498 bps
Loan Growth (YoY)22.62%20.33%16.36%22.61%13.51%-912 bps
Deposit Growth (YoY)19.67%4.87%7.59%8.89%105.25%+8,557 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.42%-0.08%0.36%0.19%0.03%-40 bps
Allowance / Loans1.43%1.46%1.26%1.27%1.30%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital9.52%9.31%8.33%8.90%7.05%-246 bps
Equity / Assets7.35%6.87%6.82%6.52%11.86%+452 bps
Liquidity & Funding
Loans / Deposits87.58%93.02%90.72%88.68%48.43%-3,914 bps
Liquid Assets / Assets0.14%0.13%0.12%0.00%0.00%-14 bps
CRE / Total Capitaln/an/an/an/an/an/an/a