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Paradigm Bank Texas

Houston, TX · Cert 23168

FDIC

Q2 2002

$249.4MAssets
$175.3MLoans
$220.0MDeposits
$24.7MEquity
Loan mix
40%RE $22.1M58%C&I $32.0M1%Consumer $0.6MQ2 2001Q2 2002
Deposit mix
61%Interest-bearing $135.1M39%Noninterest $84.9MQ2 2001Q2 2002

NIM

7.30%Q1 ’017.05%Q2 ’015.80%Q2 ’02-3%-6%

Non-interest income vs. expense

5.49%Q1 ’015.31%Q2 ’014.64%Q2 ’02-2%-17%

Executive Summary

  • Earnings: ROA of 1.04%, up 25 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 79.69% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

1.04%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.30%-26 bps YoY

Efficiency Ratio (YTD, annualized)

74.17%-596 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.79%0.77%0.71%0.76%1.04%+25 bps
Return on Equityn/an/an/a8.29%11.12%n/a
Net Interest Margin4.57%4.19%4.02%4.11%4.30%-26 bps
Efficiency Ratio80.14%79.79%80.68%83.00%74.17%-596 bps
Non-Interest Burden3.25%2.96%2.90%3.16%2.69%-56 bps
Growth
Asset Growth (YoY)100.40%116.01%20.29%16.80%8.90%-9,150 bps
Loan Growth (YoY)84.58%89.34%29.04%26.43%20.12%-6,445 bps
Deposit Growth (YoY)95.10%116.96%23.21%18.55%7.63%-8,747 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.76%0.53%0.34%-0.17%0.32%-44 bps
Allowance / Loans0.80%0.89%0.92%1.13%1.02%+22 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 Capital12.89%12.55%11.34%11.03%11.56%-133 bps
Equity / Assets9.92%9.16%9.00%9.25%9.91%-1 bps
Liquidity & Funding
Loans / Deposits71.40%65.86%73.25%73.99%79.69%+829 bps
Liquid Assets / Assets1.68%4.44%5.57%7.45%5.38%+370 bps
CRE / Total Capitaln/an/an/an/an/an/an/a