Jacksonville, TX · Cert 28066
FDIC
Q3 2003
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 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.47% | 1.52% | 1.58% | 1.60% | 1.42% | 1.38% | 1.35% | -23 bps | |
| Return on Equity | 14.54% | 16.68% | 17.27% | 17.99% | 18.28% | 15.79% | 15.39% | 15.06% | -293 bps | |
| Net Interest Margin | 3.36% | 3.65% | 3.56% | 3.48% | 3.45% | 3.36% | 3.26% | 3.15% | -32 bps | |
| Efficiency Ratio | 46.69% | 43.09% | 41.84% | 40.37% | 43.90% | 44.89% | 44.68% | 44.77% | +440 bps | |
| Non-Interest Burden | 1.30% | 1.39% | 1.25% | 1.11% | 1.01% | 1.21% | 1.15% | 1.09% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.80% | 25.58% | 23.49% | 21.11% | 10.14% | 11.83% | 15.67% | 11.02% | -1,008 bps | |
| Loan Growth (YoY) | 13.80% | 13.19% | 10.35% | 7.57% | 3.36% | 3.43% | 5.92% | 5.28% | -229 bps | |
| Deposit Growth (YoY) | 35.68% | 37.88% | 35.19% | 35.91% | 15.75% | 16.62% | 15.98% | 9.72% | -2,619 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 | 0.02% | 0.03% | 0.04% | 0.02% | 0.00% | 0.02% | 0.18% | 0.03% | +1 bps | |
| Allowance / Loans | 0.49% | 0.49% | 0.48% | 0.48% | 0.49% | 0.50% | 0.45% | 0.46% | -2 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 | 13.49% | 13.37% | 13.95% | 13.77% | 14.76% | 15.64% | 15.85% | 16.74% | +297 bps | |
| Equity / Assets | 8.90% | 8.74% | 8.89% | 8.62% | 8.94% | 9.01% | 8.90% | 8.98% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.55% | 80.83% | 78.54% | 74.06% | 73.71% | 71.68% | 71.73% | 71.06% | -300 bps | |
| Liquid Assets / Assets | 14.06% | 17.30% | 16.14% | 12.43% | 8.45% | 5.67% | 5.16% | 4.38% | -805 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |