Madisonville, TX · Cert 26580
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Madisonville, TX · Cert 26580
FDIC
Q3 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.07% | 0.12% | 0.23% | 0.39% | 0.28% | 0.21% | 0.35% | +12 bps | |
| Return on Equity | 6.57% | 0.63% | 1.08% | 2.05% | 3.42% | 2.38% | 1.77% | 3.00% | +95 bps | |
| Net Interest Margin | 4.06% | 3.76% | 3.74% | 3.62% | 3.52% | 3.72% | 3.36% | 3.51% | -11 bps | |
| Efficiency Ratio | 78.95% | 95.47% | 91.31% | 88.48% | 89.63% | 92.42% | 93.42% | 87.30% | -118 bps | |
| Non-Interest Burden | 2.83% | 3.53% | 3.29% | 3.04% | 3.00% | 3.32% | 3.04% | 2.82% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.92% | -6.60% | -1.68% | -5.02% | -2.18% | -2.71% | 2.73% | -2.05% | +296 bps | |
| Loan Growth (YoY) | -10.57% | -10.82% | -12.89% | -10.67% | -6.80% | -4.87% | 2.66% | 2.93% | +1,360 bps | |
| Deposit Growth (YoY) | -7.36% | -7.85% | -2.18% | -5.73% | -2.89% | -3.76% | 2.87% | -3.14% | +258 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 | 0.64% | 0.57% | 1.20% | 0.86% | 0.43% | -0.15% | 0.17% | 0.33% | -53 bps | |
| Allowance / Loans | 1.79% | 1.78% | 1.58% | 1.63% | 1.49% | 1.54% | 1.46% | 1.38% | -25 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 | 19.63% | 19.61% | 20.77% | 21.00% | 20.74% | 21.06% | 20.32% | 20.69% | -31 bps | |
| Equity / Assets | 11.31% | 11.38% | 11.51% | 11.34% | 11.79% | 12.06% | 11.33% | 11.99% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.73% | 57.56% | 55.14% | 54.13% | 56.36% | 56.89% | 55.03% | 57.53% | +339 bps | |
| Liquid Assets / Assets | 1.28% | 1.29% | 1.30% | 1.28% | 1.31% | 1.33% | 0.00% | 0.00% | -128 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |