Dallas, TX · Cert 25834
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 25834
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.00% | 1.10% | 1.02% | 1.01% | +6 bps | |
| Return on Equity | 11.67% | 12.00% | 12.99% | 11.88% | 11.18% | -50 bps | |
| Net Interest Margin | 4.18% | 4.18% | 4.19% | 4.02% | 3.98% | -19 bps | |
| Efficiency Ratio | 68.34% | 67.65% | 66.76% | 67.40% | 64.74% | -360 bps | |
| Non-Interest Burden | 2.69% | 2.66% | 2.63% | 2.55% | 2.40% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.51% | 0.00% | 2.79% | 5.18% | 3.55% | +506 bps | |
| Loan Growth (YoY) | 16.06% | 9.69% | 7.00% | 4.47% | 3.58% | -1,249 bps | |
| Deposit Growth (YoY) | -0.82% | 0.46% | 1.80% | 4.50% | 2.47% | +329 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.12% | 0.11% | 0.16% | 0.34% | +10 bps | |
| Allowance / Loans | 1.09% | 1.14% | 1.09% | 1.09% | 1.08% | -1 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.05% | 12.49% | 12.53% | 12.68% | 13.11% | +105 bps | |
| Equity / Assets | 8.29% | 8.64% | 8.96% | 8.85% | 9.27% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.23% | 78.18% | 81.85% | 78.27% | 79.08% | +84 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |