PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 ’016.99%Q2 ’015.90%Q2 ’02-4%-2%

Non-interest income vs. expense

5.49%Q1 ’015.28%Q2 ’014.60%Q2 ’02-1%-33%

Executive Summary

  • Earnings: ROA of 1.33%, up 90 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.80%.
  • Funding: loans stand at 79.69% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

1.33%+90 bps YoY

Net Interest Margin (quarter, annualized)

4.46%-7 bps YoY

Efficiency Ratio (quarter, annualized)

66.94%-1,390 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.43%0.73%0.55%0.76%1.33%+90 bps
Return on Equity4.22%7.72%6.06%8.29%13.93%+970 bps
Net Interest Margin4.53%4.22%4.15%4.11%4.46%-7 bps
Efficiency Ratio80.84%79.09%83.31%83.00%66.94%-1,390 bps
Non-Interest Burden3.28%2.95%3.18%3.16%2.19%-109 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 / Loans0.26%0.11%-0.05%-0.17%0.80%+54 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