Mauriceville, TX · Cert 26729
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 | -0.42% | 0.19% | 0.39% | 0.56% | 0.34% | -0.11% | 0.07% | 0.26% | -30 bps | |
| Return on Equity | -4.59% | 1.41% | 2.64% | 3.70% | 2.20% | -0.71% | 0.50% | 1.80% | -190 bps | |
| Net Interest Margin | 5.27% | 1.74% | 3.29% | 3.65% | 3.91% | 4.14% | 3.97% | 3.97% | +31 bps | |
| Efficiency Ratio | 82.57% | 91.57% | 87.82% | 84.92% | 83.81% | 77.96% | 75.10% | 73.42% | -1,149 bps | |
| Non-Interest Burden | 4.02% | 1.55% | 2.73% | 2.86% | 3.22% | 3.57% | 3.23% | 3.04% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.57% | 3.95% | 2.12% | 12.18% | 18.54% | 18.20% | 26.45% | 18.79% | +661 bps | |
| Loan Growth (YoY) | -3.74% | -16.10% | -19.62% | -8.56% | -2.04% | 10.19% | 23.44% | 9.43% | +1,799 bps | |
| Deposit Growth (YoY) | -8.85% | -4.55% | -6.36% | 3.77% | 11.18% | 13.96% | 24.57% | 15.35% | +1,158 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 | 1.82% | 0.78% | 1.33% | 1.39% | 1.30% | 0.64% | 0.50% | 0.54% | -85 bps | |
| Allowance / Loans | 2.19% | 2.19% | 1.81% | 1.31% | 1.26% | 1.25% | 1.15% | 1.07% | -24 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 | 11.85% | 13.70% | 13.72% | 12.95% | 13.10% | 13.84% | 13.12% | 13.52% | +57 bps | |
| Equity / Assets | 9.92% | 16.78% | 16.97% | 16.29% | 15.73% | 14.51% | 13.39% | 13.81% | -248 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.51% | 63.79% | 61.75% | 64.86% | 63.89% | 61.68% | 61.19% | 61.53% | -333 bps | |
| Liquid Assets / Assets | 1.32% | 1.21% | 1.21% | 1.15% | 0.56% | 0.51% | 0.48% | 0.49% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |