Arlington, TX · Cert 26822
FDIC
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.86% | 0.84% | 0.78% | 0.75% | 0.60% | 0.50% | -0.42% | -120 bps | |
| Return on Equity | 11.50% | 11.73% | 11.09% | 9.22% | 8.73% | 6.87% | 5.74% | -4.87% | -1,408 bps | |
| Net Interest Margin | 5.27% | 5.08% | 5.02% | 4.80% | 4.79% | 4.80% | 4.63% | 4.49% | -30 bps | |
| Efficiency Ratio | 79.04% | 77.42% | 76.87% | 77.57% | 75.42% | 76.18% | 78.28% | 87.92% | +1,035 bps | |
| Non-Interest Burden | 3.77% | 3.52% | 3.43% | 3.32% | 3.16% | 3.21% | 3.19% | 3.73% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.62% | -3.17% | -3.04% | -0.15% | -2.72% | -1.81% | -2.73% | 4.06% | +420 bps | |
| Loan Growth (YoY) | 1.99% | -1.81% | -1.54% | -0.23% | 9.55% | 6.74% | -8.29% | -6.56% | -633 bps | |
| Deposit Growth (YoY) | -5.00% | -4.36% | -4.90% | -1.99% | -3.64% | -2.34% | -3.46% | 4.73% | +672 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 | 0.68% | 0.60% | 0.57% | 0.25% | 0.66% | 0.57% | 0.80% | 2.58% | +233 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.95% | 0.95% | 0.90% | 1.14% | 1.32% | 1.16% | +20 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 | 13.83% | 13.27% | 13.81% | 14.29% | 14.48% | 14.86% | 15.21% | 15.02% | +73 bps | |
| Equity / Assets | 7.97% | 8.12% | 8.37% | 8.59% | 8.95% | 8.78% | 8.93% | 8.28% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.84% | 71.77% | 72.36% | 75.84% | 79.40% | 78.44% | 68.74% | 67.66% | -818 bps | |
| Liquid Assets / Assets | 9.39% | 8.53% | 12.76% | 8.42% | 7.35% | 6.36% | 9.40% | 8.64% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |