Weslaco, TX · Cert 23178
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.48% | 1.22% | -0.95% | 1.22% | -0.56% | 0.23%1 | 1.18% | +213 bps | |
| Return on Equity | 6.23% | 6.36% | 14.40% | -11.58% | 14.48% | -6.05% | 2.61% | 12.89% | +2,447 bps | |
| Net Interest Margin | 3.16% | 3.47% | 3.86% | 3.75% | 4.29% | 4.71% | 4.72% | 4.48% | +72 bps | |
| Efficiency Ratio | 81.22% | 79.03% | 69.60% | 74.64% | 69.34% | 84.25% | 71.06% | 71.25% | -339 bps | |
| Non-Interest Burden | 2.38% | 2.49% | 2.15% | 2.48% | 2.48% | 3.73% | 2.95% | 2.83% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | -7.22% | -8.55% | -14.42% | -25.28% | -15.66% | -7.49% | -14.41% | +2 bps | |
| Loan Growth (YoY) | -11.68% | -16.80% | -13.03% | -13.04% | -2.00% | 18.97% | 10.11% | 3.81% | +1,684 bps | |
| Deposit Growth (YoY) | 11.43% | -7.29% | -9.32% | -14.39% | -27.15% | -16.65% | -7.41% | -16.41% | -202 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 | 0.93% | 0.35% | 0.31% | 5.47% | 1.18% | 1.47% | 2.45% | 0.05% | -542 bps | |
| Allowance / Loans | 1.25% | 1.56% | 1.66% | 1.53% | 1.38% | 1.05% | 1.26% | 1.48% | -5 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 | 14.11% | 15.61% | 15.65% | 15.01% | 15.42% | 14.07% | 14.45% | 16.32% | +130 bps | |
| Equity / Assets | 7.11% | 8.21% | 8.67% | 7.68% | 9.32% | 9.26% | 8.51% | 9.85% | +217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.69% | 53.64% | 57.04% | 55.74% | 68.19% | 76.56% | 67.83% | 69.22% | +1,348 bps | |
| Liquid Assets / Assets | 1.50% | 1.73% | 1.35% | 1.38% | 1.08% | 1.10% | 0.00% | 0.00% | -138 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |