Houston, TX · Cert 30757
FDIC
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Houston, TX · Cert 30757
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% | 0.81% | 0.87% | 0.65% | 0.65% | 0.62% | 0.62% | 0.74% | +8 bps | |
| Return on Equity | 10.36% | 10.43% | 11.18% | 8.23% | 8.11% | 8.02% | 8.14% | 10.46% | +222 bps | |
| Net Interest Margin | 3.08% | 3.05% | 2.98% | 2.79% | 2.72% | 2.55% | 2.52% | 2.64% | -15 bps | |
| Efficiency Ratio | 61.22% | 61.03% | 58.29% | 64.84% | 64.84% | 65.75% | 66.37% | 63.21% | -163 bps | |
| Non-Interest Burden | 1.74% | 1.70% | 1.49% | 1.62% | 1.58% | 1.50% | 1.50% | 1.47% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.02% | -12.51% | -2.87% | 2.19% | 1.40% | 1.54% | 6.13% | 6.57% | +439 bps | |
| Loan Growth (YoY) | -3.36% | 2.92% | 0.07% | 2.68% | -1.90% | -0.77% | 6.80% | 5.55% | +286 bps | |
| Deposit Growth (YoY) | -0.66% | -2.24% | -3.05% | -1.30% | -3.27% | -0.41% | 3.94% | 3.73% | +503 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 | 0.20% | 0.14% | 0.16% | 0.15% | 0.12% | 0.12% | 0.10% | 0.05% | -10 bps | |
| Allowance / Loans | 0.79% | 0.81% | 0.96% | 0.95% | 0.99% | 0.97% | 0.96% | 0.97% | +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 | 10.51% | 10.70% | 11.38% | 11.57% | 11.62% | 10.27% | 10.31% | 10.36% | -121 bps | |
| Equity / Assets | 7.50% | 7.49% | 7.91% | 7.96% | 8.02% | 7.04% | 6.98% | 7.12% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.66% | 120.08% | 116.37% | 117.82% | 116.27% | 119.65% | 119.58% | 119.88% | +206 bps | |
| Liquid Assets / Assets | 0.01% | 0.06% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 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 |