Arlington, TX · Cert 25767
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Arlington, TX · Cert 25767
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.41% | -0.34% | -0.31% | 0.30% | 0.31% | 0.27% | 0.25% | 0.18% | -13 bps | |
| Return on Equity | -4.66% | -3.82% | -3.46% | 3.04% | 3.08% | 2.63% | 2.48% | 1.66% | -138 bps | |
| Net Interest Margin | 3.14% | 3.18% | 3.30% | 3.87% | 3.84% | 3.92% | 3.92% | 3.93% | +6 bps | |
| Efficiency Ratio | 103.25% | 102.31% | 103.83% | 89.59% | 90.05% | 91.27% | 90.92% | 94.77% | +518 bps | |
| Non-Interest Burden | 3.26% | 3.26% | 3.45% | 3.40% | 3.40% | 3.52% | 3.51% | 3.69% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.04% | -9.35% | -13.74% | -14.57% | -17.68% | -11.47% | -6.65% | -3.14% | +1,143 bps | |
| Loan Growth (YoY) | -12.26% | -18.99% | -8.04% | -4.38% | -6.77% | -6.29% | -13.27% | -17.09% | -1,270 bps | |
| Deposit Growth (YoY) | -7.19% | -9.59% | -14.49% | -15.81% | -19.41% | -13.00% | -8.04% | -3.75% | +1,207 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 | 2.16% | 1.87% | 1.34% | -0.01% | 0.03% | 0.02% | 0.04% | -0.05% | -3 bps | |
| Allowance / Loans | 1.83% | 1.91% | 1.80% | 1.80% | 1.85% | 2.01% | 2.08% | 2.19% | +39 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 | 15.91% | 17.08% | 16.80% | 17.21% | 18.44% | 19.19% | 20.34% | 20.53% | +333 bps | |
| Equity / Assets | 8.91% | 8.94% | 9.74% | 10.19% | 10.66% | 10.18% | 10.57% | 10.54% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.99% | 56.77% | 66.22% | 68.99% | 70.55% | 61.14% | 62.44% | 59.43% | -956 bps | |
| Liquid Assets / Assets | 1.84% | 1.02% | 0.37% | 0.19% | 0.62% | 5.96% | 5.98% | 5.95% | +576 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |