Fort Worth, TX · Cert 22790
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 0.89% | 0.95% | 0.83% | 1.02% | 1.16% | 1.06% | 0.54% | -30 bps | |
| Return on Equity | 13.45% | 11.78% | 12.50% | 12.14% | 14.38% | 14.46% | 13.33% | 6.85% | -529 bps | |
| Net Interest Margin | 4.92% | 4.76% | 4.89% | 4.87% | 4.82% | 4.85% | 4.96% | 4.68% | -18 bps | |
| Efficiency Ratio | 66.36% | 70.63% | 66.81% | 68.64% | 64.94% | 65.31% | 63.44% | 63.37% | -526 bps | |
| Non-Interest Burden | 3.08% | 3.20% | 3.08% | 3.16% | 2.91% | 2.95% | 2.90% | 2.73% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.29% | 20.07% | 21.35% | 52.68% | 4.08% | 9.39% | 8.35% | -10.27% | -6,295 bps | |
| Loan Growth (YoY) | 10.61% | 23.82% | 32.86% | 31.61% | 30.53% | 29.71% | 21.84% | 18.44% | -1,317 bps | |
| Deposit Growth (YoY) | 32.57% | 21.63% | 20.52% | 57.23% | 3.72% | 8.68% | 8.87% | -11.41% | -6,864 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 | 0.00% | 0.00% | 0.01% | 0.03% | 0.01% | 0.00% | 0.00% | 0.31% | +28 bps | |
| Allowance / Loans | 1.06% | 1.00% | 1.01% | 1.01% | 1.02% | 1.00% | 1.15% | 1.44% | +42 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 | 11.58% | 11.34% | 11.22% | 10.29% | 11.04% | 10.89% | 11.18% | 11.28% | +99 bps | |
| Equity / Assets | 7.47% | 7.67% | 7.54% | 6.29% | 8.08% | 7.93% | 7.91% | 7.75% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.33% | 66.37% | 69.03% | 58.03% | 78.44% | 79.21% | 77.26% | 77.58% | +1,956 bps | |
| Liquid Assets / Assets | 2.73% | 2.14% | 0.66% | 0.51% | 2.45% | 2.55% | 0.52% | 0.49% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |