Haskell, TX · Cert 25881
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | -15.14% | -9.56% | -2.42% | -0.98% | -12.65% | -10.34% | -9.36% | -693 bps | |
| Return on Equity | 5.30% | -212% | -159.86% | -37.49% | -11.95% | -197.94% | -172.56% | -158.97% | -12,148 bps | |
| Net Interest Margin | 4.03% | 3.97% | 4.07% | 0.72% | 3.68% | 2.52% | 2.73% | 3.13% | +241 bps | |
| Efficiency Ratio | 80.54% | 90.11% | 86.05% | 74.26% | 127.45% | 404% | 251% | 263% | +18,851 bps | |
| Non-Interest Burden | 3.03% | 3.48% | 3.36% | 2.90% | 4.54% | 6.52% | 5.70% | 7.21% | +431 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.75% | -18.57% | 10.16% | 11.80% | 8.24% | 10.54% | 0.65% | -19.70% | -3,151 bps | |
| Loan Growth (YoY) | -21.12% | -16.31% | 9.89% | 4.30% | -0.07% | -15.72% | -21.07% | -28.86% | -3,315 bps | |
| Deposit Growth (YoY) | -13.05% | -11.68% | 22.60% | 15.06% | 10.48% | 9.40% | -2.34% | -17.70% | -3,276 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 | 1.67% | 11.76% | 8.06% | 0.37% | 7.80% | 23.99% | 18.12% | 26.26% | +2,589 bps | |
| Allowance / Loans | 0.94% | 6.26% | 6.41% | 9.69% | 8.45% | 10.58% | 13.94% | 5.98% | -371 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 | 13.34% | 3.73% | 4.34% | 10.91% | 10.25% | 0.84% | 3.28% | 2.69% | -822 bps | |
| Equity / Assets | 9.53% | 2.05% | 2.43% | 8.21% | 8.18% | 2.67% | 4.67% | 5.39% | -281 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.53% | 89.87% | 86.31% | 79.80% | 77.37% | 69.23% | 69.76% | 68.98% | -1,082 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 |