Dallas, TX · Cert 25002
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 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.
Dallas, TX · Cert 25002
FDIC
Q1 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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | -0.21% | -0.22% | 2.64% | 1.87% | 1.60% | 1.40% | 0.75% | -189 bps | |
| Return on Equity | n/a | n/a | n/a | 19.25% | 13.40% | 11.38% | 9.83% | 5.13% | -1,412 bps | |
| Net Interest Margin | 4.19% | 4.20% | 4.25% | 5.06% | 5.18% | 5.11% | 4.92% | 4.02% | -104 bps | |
| Efficiency Ratio | 74.18% | 73.66% | 72.82% | 39.46% | 48.53% | 52.00% | 55.92% | 72.79% | +3,333 bps | |
| Non-Interest Burden | 2.97% | 2.96% | 2.96% | 0.35% | 1.64% | 2.01% | 2.24% | 2.69% | +233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.81% | 1.88% | 8.12% | -7.61% | -9.47% | -5.66% | -9.02% | 3.25% | +1,087 bps | |
| Loan Growth (YoY) | -2.73% | -3.47% | 20.69% | 16.93% | 3.43% | -2.24% | -16.36% | -44.40% | -6,133 bps | |
| Deposit Growth (YoY) | 5.29% | -7.15% | 5.59% | -18.85% | -10.80% | -2.35% | -8.93% | 12.08% | +3,094 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 | 0.60% | 3.40% | 2.63% | 0.72% | 0.37% | 0.33% | 0.36% | 5.78% | +506 bps | |
| Allowance / Loans | 1.76% | 1.30% | 1.53% | 1.60% | 1.94% | 2.16% | 2.18% | 2.03% | +44 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 | 18.94% | 16.85% | 15.44% | 18.11% | 18.27% | 19.45% | 19.92% | 27.82% | +971 bps | |
| Equity / Assets | 13.15% | 13.23% | 12.84% | 14.73% | 14.45% | 14.47% | 14.85% | 14.53% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.24% | 68.07% | 79.80% | 90.27% | 76.81% | 68.14% | 73.28% | 44.78% | -4,549 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 |