Victoria, TX · Cert 30448
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.57% | 0.59% | 0.57% | 0.41% | 0.68% | 0.80% | 0.86% | +28 bps | |
| Return on Equity | 5.83% | 5.46% | 5.67% | 5.54% | 3.93% | 6.51% | 7.70% | 7.92% | +239 bps | |
| Net Interest Margin | 3.40% | 3.44% | 3.40% | 3.33% | 3.41% | 3.26% | 3.49% | 3.58% | +25 bps | |
| Efficiency Ratio | 78.60% | 79.20% | 79.96% | 75.29% | 83.72% | 82.81% | 75.06% | 75.82% | +53 bps | |
| Non-Interest Burden | 2.41% | 2.45% | 2.46% | 2.10% | 2.68% | 2.51% | 2.30% | 2.41% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.75% | 1.68% | 1.46% | 0.07% | 1.34% | 4.08% | 0.94% | 0.36% | +29 bps | |
| Loan Growth (YoY) | 8.33% | 2.76% | 1.59% | 2.27% | -0.44% | 0.13% | 2.21% | -5.14% | -741 bps | |
| Deposit Growth (YoY) | -2.88% | 0.75% | -0.21% | 0.11% | -0.33% | -1.14% | -2.75% | -3.38% | -349 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 | 0.13% | 0.05% | 0.12% | 0.10% | 0.15% | 0.16% | -0.03% | 0.09% | -1 bps | |
| Allowance / Loans | 0.82% | 0.89% | 0.91% | 1.01% | 1.03% | 0.99% | 1.00% | 1.02% | +1 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 | 10.55% | 10.74% | 10.96% | 10.80% | 10.96% | 11.04% | 11.32% | 12.09% | +129 bps | |
| Equity / Assets | 10.36% | 10.43% | 10.26% | 10.46% | 10.64% | 10.19% | 10.66% | 10.98% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.37% | 78.79% | 76.76% | 80.21% | 80.27% | 79.80% | 80.67% | 78.75% | -146 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.07% | 0.09% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |