Klein, TX · Cert 22866
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.33% | 1.34% | 1.21% | 1.70% | 1.81% | 1.70% | 2.55% | +135 bps | |
| Return on Equity | 21.67% | 17.03% | 16.74% | 15.08% | 22.30% | 24.19% | 22.01% | 31.62% | +1,654 bps | |
| Net Interest Margin | 4.97% | 4.88% | 4.80% | 4.63% | 4.79% | 4.83% | 4.66% | 4.68% | +4 bps | |
| Efficiency Ratio | 56.89% | 66.90% | 66.69% | 68.61% | 56.68% | 58.94% | 59.89% | 63.58% | -503 bps | |
| Non-Interest Burden | 2.22% | 2.83% | 2.75% | 2.78% | 1.98% | 2.07% | 2.05% | 2.31% | -47 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 | 0.05% | 0.02% | 0.03% | 0.08% | 0.07% | 0.55% | 0.45% | 0.58% | +49 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 |