Garland, TX · Cert 26422
FDIC
Q3 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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.48% | 0.49% | 0.56% | 0.56% | 0.45% | 0.60% | 0.64% | +8 bps | |
| Return on Equity | n/a | 6.36% | 6.50% | 7.42% | 7.32% | 5.89% | 8.02% | 8.62% | +120 bps | |
| Net Interest Margin | 5.12% | 5.06% | 4.98% | 4.67% | 4.74% | 4.80% | 4.65% | 4.49% | -18 bps | |
| Efficiency Ratio | 80.89% | 81.91% | 80.29% | 79.77% | 81.34% | 82.29% | 79.50% | 80.49% | +71 bps | |
| Non-Interest Burden | 3.97% | 4.01% | 3.85% | 3.58% | 3.71% | 3.77% | 3.50% | 3.44% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.11% | -0.48% | 3.77% | 7.38% | 6.18% | 8.61% | 13.37% | 7.37% | -1 bps | |
| Loan Growth (YoY) | 13.40% | 9.81% | 10.69% | 3.66% | 1.53% | 4.36% | 2.46% | 1.60% | -206 bps | |
| Deposit Growth (YoY) | -5.92% | -0.67% | 3.99% | 5.83% | 4.10% | 6.06% | 10.68% | 7.28% | +145 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 | 0.78% | -0.03% | 0.21% | 0.09% | 0.18% | 0.23% | 0.20% | 0.26% | +17 bps | |
| Allowance / Loans | 0.77% | 0.93% | 0.95% | 1.05% | 1.01% | 1.06% | 1.10% | 1.09% | +4 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 | 8.64% | 8.97% | 9.14% | 9.33% | 9.58% | 9.64% | 9.58% | 9.84% | +51 bps | |
| Equity / Assets | 7.73% | 7.52% | 7.59% | 7.42% | 7.82% | 7.45% | 7.31% | 7.23% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.03% | 87.92% | 88.52% | 83.52% | 89.75% | 86.51% | 81.94% | 79.09% | -442 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 |