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Katy Bank, National Association

Katy, TX · Cert 26809

FDIC

Q4 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2003, the quarter ended December 31, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Katy Bank, National Association

Katy, TX · Cert 26809

FDIC

Q4 2003

$43.5MAssets
$22.7MLoans
$40.4MDeposits
$3.0MEquity
Loan mix
55%RE $3.1M45%C&I $2.5M0%Consumer $0.0MQ4 2002Q4 2003
Deposit mix
64%Interest-bearing $25.9M36%Noninterest $14.5MQ4 2002Q4 2003

NIM

6.17%Q4 ’014.70%Q4 ’024.37%Q4 ’03-13%-13%

Non-interest income vs. expense

5.18%Q4 ’014.50%Q4 ’024.31%Q4 ’03-18%-9%

Executive Summary

  • Earnings: ROA of 0.45%, up 32 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.12%.
  • Funding: loans stand at 56.14% of deposits as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.45%1+32 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-48 bps YoY

Efficiency Ratio (YTD, annualized)

92.03%+301 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.13%0.26%0.34%10.39%10.45%1+32 bps
Return on Equity1.71%3.68%4.86%5.62%6.52%+481 bps
Net Interest Margin3.79%3.39%3.25%3.27%3.30%-48 bps
Efficiency Ratio89.02%92.90%98.30%95.99%92.03%+301 bps
Non-Interest Burden3.23%3.05%3.17%3.09%2.93%-30 bps
Growth
Asset Growth (YoY)17.89%21.63%19.62%12.41%8.62%-928 bps
Loan Growth (YoY)29.13%40.56%36.67%23.33%31.03%+191 bps
Deposit Growth (YoY)19.06%22.00%22.14%14.48%9.85%-920 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.78%-0.51%-0.24%-0.16%-0.12%-90 bps
Allowance / Loans1.06%1.15%1.12%1.18%1.20%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.85%12.12%12.04%12.09%11.67%-118 bps
Equity / Assets7.59%6.79%6.83%6.76%6.86%-73 bps
Liquidity & Funding
Loans / Deposits47.06%43.17%46.93%50.24%56.14%+907 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a