Dallas, TX · Cert 26624
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 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 26624
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 | 0.45% | 1.09% | 1.03% | 0.90% | 0.00% | -0.16% | 0.25% | 0.09% | -81 bps | |
| Return on Equity | n/a | 9.87% | 9.26% | 8.16% | 0.00% | -1.46% | 2.26% | 0.79% | -738 bps | |
| Net Interest Margin | 5.25% | 4.28% | 4.16% | 4.02% | 4.08% | 3.52% | 3.59% | 3.66% | -36 bps | |
| Efficiency Ratio | 69.29% | 70.79% | 72.82% | 75.74% | 90.83% | 81.89% | 80.36% | 88.51% | +1,277 bps | |
| Non-Interest Burden | 3.20% | 2.60% | 2.59% | 2.67% | 3.56% | 2.63% | 2.61% | 3.13% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.74% | 0.78% | -0.69% | 1.36% | 2.40% | -1.05% | -4.69% | -16.03% | -1,739 bps | |
| Loan Growth (YoY) | 3.03% | -4.81% | -10.78% | -15.61% | -12.85% | -15.61% | -22.61% | -28.98% | -1,338 bps | |
| Deposit Growth (YoY) | 3.48% | 5.10% | 7.55% | 11.29% | 2.44% | -1.15% | -5.39% | -17.78% | -2,907 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 | 1.49% | 0.39% | 0.42% | 0.68% | 0.76% | 6.35% | 4.19% | 4.44% | +376 bps | |
| Allowance / Loans | 1.91% | 1.90% | 1.80% | 1.61% | 2.35% | 1.45% | 1.24% | 0.50% | -111 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 | 14.88% | 13.51% | 16.69% | 16.62% | 16.66% | 16.84% | 18.40% | 19.79% | +316 bps | |
| Equity / Assets | 11.23% | 10.81% | 11.19% | 11.10% | 11.20% | 10.87% | 11.61% | 12.75% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.91% | 73.52% | 74.50% | 68.60% | 68.83% | 62.77% | 60.94% | 59.25% | -935 bps | |
| Liquid Assets / Assets | 3.57% | 2.99% | 2.84% | 2.56% | 2.43% | 2.26% | 2.16% | 2.30% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |