Alvin, TX · Cert 26769
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | 2.52% | -1.66% | 2.08% | 1.78%1 | -18 bps | |
| Return on Equity | 23.24% | 30.12% | -12.42% | 11.74% | 9.86% | -1,338 bps | |
| Net Interest Margin | 4.22% | 4.11% | -1.53% | 4.42% | 3.95% | -27 bps | |
| Efficiency Ratio | 58.99% | 48.56% | 69.69% | 50.46% | 73.79% | +1,480 bps | |
| Non-Interest Burden | 2.05% | 1.54% | 0.07% | 2.18% | 3.09% | +104 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.59% | -0.36% | 17.43% | 11.84% | 8.81% | +322 bps | |
| Loan Growth (YoY) | -7.36% | -3.49% | 14.78% | 20.23% | 15.61% | +2,297 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.25% | 0.23% | -0.05% | 0.55% | +49 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.83% | 17.69% | 15.00% | 16.30% | 17.37% | +54 bps | |
| Equity / Assets | 8.04% | 8.72% | 17.44% | 18.09% | 17.99% | +995 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.01% | 45.75% | 54.37% | 56.60% | 51.86% | +885 bps | |
| Liquid Assets / Assets | 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 |