Tomball, TX · Cert 23883
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.46% | 1.36% | 1.21% | 1.45% | 1.16% | -3.59% | -0.25% | -146 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 18.71% | 14.90% | -50.47% | -3.78% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.56% | 4.24% | 4.47% | -10.82% | 2.41% | -215 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 68.08% | 62.98% | 69.34% | 109.07% | 97.61% | +2,954 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.61% | 2.02% | 2.65% | -5.61% | 2.70% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.61% | 3.87% | 6.97% | 14.77% | 14.61% | 19.90% | 22.25% | 3.12% | -1,164 bps | |
| Loan Growth (YoY) | 9.62% | 8.55% | 6.98% | 8.65% | 13.32% | 15.59% | 12.46% | 0.51% | -814 bps | |
| Deposit Growth (YoY) | -2.52% | 4.39% | 13.59% | 18.80% | 14.17% | 19.56% | 24.24% | -2.61% | -2,142 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 | n/a | n/a | n/a | 0.15% | -0.01% | 0.09% | 0.86% | -0.13% | -28 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.03% | 1.00% | 1.01% | 0.84% | 0.95% | -8 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 | n/a | n/a | n/a | 12.53% | 11.59% | 12.16% | 14.13% | 7.04% | -550 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.81% | 7.65% | 7.88% | 6.39% | 6.95% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.66% | 58.66% | 58.00% | 55.13% | 56.24% | 56.72% | 52.50% | 56.90% | +177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 3.46% | 3.07% | 2.54% | 0.00% | 0.00% | -346 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |