Klein, TX · Cert 22866
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Klein, TX · Cert 22866
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.76% | 1.33% | 1.33% | 1.29% | 1.40% | 1.81% | 1.75% | 2.03% | +74 bps | |
| Return on Equity | 23.01% | 17.03% | 16.88% | 16.30% | 17.96% | 24.19% | 23.12% | 26.05% | +976 bps | |
| Net Interest Margin | 5.11% | 4.88% | 4.76% | 4.63% | 4.58% | 4.83% | 4.67% | 4.69% | +6 bps | |
| Efficiency Ratio | 61.28% | 66.90% | 66.79% | 67.40% | 64.47% | 58.94% | 59.41% | 60.79% | -660 bps | |
| Non-Interest Burden | 2.61% | 2.83% | 2.75% | 2.71% | 2.47% | 2.07% | 2.03% | 2.13% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 6.45% | 7.93% | 10.03% | 9.96% | 8.35% | 8.17% | 3.45% | -658 bps | |
| Loan Growth (YoY) | -0.68% | -4.27% | -4.23% | -2.59% | -0.95% | 4.82% | -0.63% | -3.66% | -107 bps | |
| Deposit Growth (YoY) | 4.18% | 5.75% | 9.20% | 7.08% | 9.31% | 8.66% | 7.25% | 6.20% | -88 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 | 0.03% | 0.02% | 0.02% | 0.04% | 0.05% | 0.55% | 0.51% | 0.54% | +50 bps | |
| Allowance / Loans | 0.97% | 1.00% | 0.97% | 0.94% | 1.11% | 0.94% | 0.90% | 0.83% | -11 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 | 22.92% | 24.59% | 25.10% | 26.20% | 24.50% | 24.94% | 26.99% | 27.61% | +140 bps | |
| Equity / Assets | 7.77% | 7.88% | 8.06% | 7.95% | 7.30% | 7.66% | 7.75% | 8.40% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.54% | 33.51% | 33.21% | 33.56% | 32.20% | 32.33% | 30.77% | 30.45% | -311 bps | |
| Liquid Assets / Assets | 51.45% | 53.80% | 54.77% | 59.10% | 59.27% | 58.56% | 62.18% | 55.55% | -354 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |