Katy, TX · Cert 26809
FDIC
Q4 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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | 0.16% | 0.32% | 0.13% | 0.26% | 0.34%1 | 0.39%1 | 0.45%1 | +32 bps | |
| Return on Equity | -2.17% | 1.99% | 4.01% | 1.71% | 3.68% | 4.86% | 5.62% | 6.52% | +481 bps | |
| Net Interest Margin | 3.84% | 4.08% | 4.02% | 3.79% | 3.39% | 3.25% | 3.27% | 3.30% | -48 bps | |
| Efficiency Ratio | 103.30% | 96.53% | 90.43% | 89.02% | 92.90% | 98.30% | 95.99% | 92.03% | +301 bps | |
| Non-Interest Burden | 4.00% | 3.90% | 3.51% | 3.23% | 3.05% | 3.17% | 3.09% | 2.93% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.09% | -0.37% | 5.72% | 17.89% | 21.63% | 19.62% | 12.41% | 8.62% | -928 bps | |
| Loan Growth (YoY) | -17.46% | -8.35% | 20.69% | 29.13% | 40.56% | 36.67% | 23.33% | 31.03% | +191 bps | |
| Deposit Growth (YoY) | -3.59% | -1.37% | 5.87% | 19.06% | 22.00% | 22.14% | 14.48% | 9.85% | -920 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 | -0.06% | -0.33% | -0.06% | 0.78% | -0.51% | -0.24% | -0.16% | -0.12% | -90 bps | |
| Allowance / Loans | 1.27% | 1.30% | 1.15% | 1.06% | 1.15% | 1.12% | 1.18% | 1.20% | +14 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 | 16.11% | 14.73% | 14.13% | 12.85% | 12.12% | 12.04% | 12.09% | 11.67% | -118 bps | |
| Equity / Assets | 7.32% | 7.85% | 8.10% | 7.59% | 6.79% | 6.83% | 6.76% | 6.86% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.47% | 41.94% | 46.64% | 47.06% | 43.17% | 46.93% | 50.24% | 56.14% | +907 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |