PackageTrendsPeer
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Riverway Bank

Houston, TX · Cert 24337

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Riverway Bank

Houston, TX · Cert 24337

FDIC

Q4 2001

$691.5MAssets
$451.0MLoans
$522.0MDeposits
$39.4MEquity
Loan mix
84%RE $186.8M15%C&I $34.4M0%Consumer $1.1MQ4 2000Q4 2001
Deposit mix
88%Interest-bearing $457.0M12%Noninterest $65.0MQ4 2000Q4 2001

NIM

7.71%Q1 ’016.91%Q3 ’016.54%Q4 ’01-6%-1%

Non-interest income vs. expense

1.75%Q1 ’011.67%Q3 ’011.79%Q4 ’01-6%+33%

Executive Summary

  • Earnings: ROA of 0.45%, down 34 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.32%.
  • Funding: loans stand at 86.40% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.45%-34 bps YoY

Net Interest Margin (YTD, annualized)

2.76%

Efficiency Ratio (YTD, annualized)

66.68%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.78%0.75%0.79%0.71%0.45%-34 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.95%2.90%2.78%2.76%n/a
Efficiency Ration/a54.32%53.70%54.80%66.68%n/a
Non-Interest Burdenn/a1.48%1.43%1.40%1.87%n/a
Growth
Asset Growth (YoY)14.56%17.12%24.01%17.99%20.90%+634 bps
Loan Growth (YoY)10.73%17.05%17.31%14.30%28.48%+1,775 bps
Deposit Growth (YoY)19.81%27.70%24.75%24.83%21.81%+201 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.43%0.31%0.42%0.32%n/a
Allowance / Loansn/a1.09%1.05%1.13%0.92%n/a
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 Capitaln/a10.07%10.23%11.41%10.49%n/a
Equity / Assetsn/a5.69%5.49%6.15%5.70%n/a
Liquidity & Funding
Loans / Deposits81.92%81.49%86.05%75.12%86.40%+448 bps
Liquid Assets / Assets0.00%16.50%23.90%23.42%20.12%+2,012 bps
CRE / Total Capitaln/an/an/an/an/an/an/a