Alvin, TX · Cert 26769
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Alvin, TX · Cert 26769
FDIC
Q4 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.97% | 2.04% | 2.02% | 2.52% | 0.39% | 0.98% | 1.19% | -82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 30.12% | 3.36% | 7.40% | 8.36% | n/a | |
| Net Interest Margin | 3.67% | 3.82% | 3.91% | 3.89% | 4.11% | 1.26% | 2.27% | 2.72% | -118 bps | |
| Efficiency Ratio | 57.16% | 56.95% | 55.55% | 56.47% | 48.56% | 59.85% | 53.75% | 61.18% | +471 bps | |
| Non-Interest Burden | 1.65% | 1.71% | 1.69% | 1.74% | 1.54% | 0.80% | 1.23% | 1.71% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.55% | 4.88% | -0.52% | 5.59% | -0.36% | 17.43% | 11.84% | 8.81% | +322 bps | |
| Loan Growth (YoY) | -1.90% | -2.31% | -5.06% | -7.36% | -3.49% | 14.78% | 20.23% | 15.61% | +2,297 bps | |
| Deposit Growth (YoY) | 6.14% | 8.68% | 2.19% | 5.02% | -0.62% | 4.87% | -1.03% | -4.11% | -914 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 | 0.61% | 0.37% | 0.45% | 0.37% | 0.25% | 0.22% | 0.13% | 0.24% | -13 bps | |
| Allowance / Loans | 0.50% | 0.52% | 0.43% | 0.50% | 0.49% | 1.15% | 1.12% | 1.08% | +57 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 | 15.44% | 16.21% | 16.21% | 16.83% | 17.69% | 15.00% | 16.30% | 17.37% | +54 bps | |
| Equity / Assets | 8.21% | 8.50% | 8.81% | 8.04% | 8.72% | 17.44% | 18.09% | 17.99% | +995 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.11% | 49.68% | 46.59% | 43.01% | 45.75% | 54.37% | 56.60% | 51.86% | +885 bps | |
| Liquid Assets / Assets | 4.84% | 6.19% | 10.56% | 13.18% | 8.33% | 2.97% | 4.25% | 3.18% | -1,001 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |