Kingsville, TX · Cert 2412
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kingsville, TX · Cert 2412
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.17% | 2.11% | 1.55% | 1.33% | 1.04% | 0.36% | 0.14% | -140 bps | |
| Return on Equity | n/a | n/a | 22.60% | 15.85% | 12.99% | 9.89% | 3.02% | 1.22% | -1,462 bps | |
| Net Interest Margin | 4.26% | 4.07% | 4.53% | 4.72% | 4.96% | 4.93% | 4.33% | 4.17% | -55 bps | |
| Efficiency Ratio | 80.25% | 79.52% | 66.72% | 74.46% | 77.43% | 81.75% | 92.47% | 96.09% | +2,162 bps | |
| Non-Interest Burden | 3.15% | 2.97% | 2.37% | 3.08% | 3.46% | 3.73% | 3.90% | 3.95% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.90% | 15.09% | 7.90% | -2.30% | -9.30% | -11.86% | -8.37% | -4.98% | -268 bps | |
| Loan Growth (YoY) | 1.17% | -0.40% | -13.29% | -13.32% | -18.48% | -24.36% | -15.32% | -12.40% | +92 bps | |
| Deposit Growth (YoY) | 19.22% | 15.96% | 8.43% | -3.46% | -11.16% | -14.34% | -10.69% | -5.67% | -220 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 | 0.29% | 0.21% | -0.15% | 0.11% | 0.19% | 0.22% | 1.19% | 0.65% | +53 bps | |
| Allowance / Loans | 1.10% | 1.20% | 1.39% | 1.42% | 1.43% | 1.58% | 1.30% | 1.37% | -6 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 | 21.34% | 22.45% | 22.34% | 22.95% | 23.90% | 25.92% | 24.81% | 23.47% | +52 bps | |
| Equity / Assets | 9.58% | 9.44% | 9.23% | 10.69% | 11.60% | 12.10% | 11.62% | 11.30% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.09% | 44.15% | 39.84% | 41.55% | 41.37% | 38.99% | 37.78% | 38.59% | -296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |