Decatur, TX · Cert 3168
FDIC
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.16% | 1.15% | 0.76% | 0.19% | 0.37% | 0.49% | 0.99% | +23 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.97% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.67% | 0.55% | 1.41% | 1.84% | 2.70% | -97 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 68.30% | 57.92% | 66.60% | 68.09% | 51.36% | -1,694 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.25% | 0.26% | 0.81% | 1.10% | 1.18% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.88% | 6.86% | 7.79% | 9.04% | 20.26% | 17.69% | 16.63% | 6.60% | -244 bps | |
| Loan Growth (YoY) | 2.27% | -1.15% | -2.54% | -3.68% | -4.19% | -5.31% | -9.10% | -22.03% | -1,835 bps | |
| Deposit Growth (YoY) | 8.78% | 6.10% | 6.72% | 7.77% | 13.70% | 11.11% | 10.72% | -5.05% | -1,282 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 | n/a | 0.37% | 0.86% | 0.60% | 0.52% | -0.11% | -47 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.34% | 2.16% | 2.20% | 2.16% | 3.45% | +211 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 | n/a | 12.09% | 12.13% | 12.98% | 13.64% | 13.35% | +126 bps | |
| Equity / Assets | n/a | n/a | n/a | 7.12% | 11.10% | 11.70% | 11.50% | 16.85% | +973 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.13% | 62.91% | 61.59% | 58.83% | 54.88% | 53.62% | 50.56% | 48.31% | -1,052 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.57% | 0.26% | 0.00% | 0.00% | 0.01% | -56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |