Smithville, TX · Cert 29079
FDIC
Q2 2002
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.24% | -0.92% | 0.97% | 0.98% | 1.00% | 0.87% | 0.95% | 1.10% | +12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 7.35% | 8.28% | n/a | |
| Net Interest Margin | n/a | n/a | 3.50% | 3.40% | 3.48% | 3.55% | 4.20% | 4.27% | +87 bps | |
| Efficiency Ratio | n/a | n/a | 68.07% | 70.18% | 70.50% | 73.54% | 69.83% | 66.75% | -344 bps | |
| Non-Interest Burden | n/a | n/a | 2.16% | 2.21% | 2.28% | 2.45% | 2.76% | 2.59% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.29% | -11.99% | -11.41% | -6.31% | -8.50% | -3.85% | -5.17% | -5.50% | +81 bps | |
| Loan Growth (YoY) | 0.18% | 0.75% | -6.70% | -10.70% | -9.56% | -8.63% | -1.97% | -2.26% | +845 bps | |
| Deposit Growth (YoY) | -13.17% | -14.58% | -10.72% | -7.38% | -6.53% | -0.34% | -0.73% | -1.34% | +604 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 | n/a | n/a | 0.00% | -0.02% | 0.05% | 0.03% | 0.00% | 0.06% | +8 bps | |
| Allowance / Loans | n/a | n/a | 1.12% | 1.23% | 1.23% | 1.27% | 1.24% | 1.28% | +4 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 | n/a | n/a | 24.66% | 25.47% | 25.68% | 25.10% | 25.29% | 26.57% | +111 bps | |
| Equity / Assets | n/a | n/a | 12.07% | 12.29% | 12.68% | 12.52% | 13.47% | 14.05% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.71% | 80.40% | 77.91% | 74.18% | 74.23% | 73.70% | 76.93% | 73.49% | -69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 18.50% | 15.31% | 15.66% | 11.80% | 8.24% | 12.27% | -303 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |