Glen Rose, TX · Cert 3220
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.22% | 2.46% | 2.63% | 2.57% | 2.32% | 2.93% | 3.93% | 1.42% | -116 bps | |
| Return on Equity | 20.96% | 23.38% | 25.98% | 24.58% | 21.85% | 28.80% | 39.69% | 14.16% | -1,042 bps | |
| Net Interest Margin | 5.09% | 4.83% | 4.80% | 4.76% | 4.68% | 4.86% | 4.50% | 4.78% | +2 bps | |
| Efficiency Ratio | 55.86% | 57.95% | 50.53% | 55.44% | 55.18% | 51.10% | 41.47% | 61.19% | +576 bps | |
| Non-Interest Burden | 2.44% | 2.34% | 1.81% | 2.04% | 2.18% | 1.68% | 0.70% | 2.61% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.31% | 6.92% | 7.32% | 2.97% | 11.51% | 3.35% | 6.12% | 7.26% | +429 bps | |
| Loan Growth (YoY) | -14.23% | -1.95% | 5.07% | 8.72% | 11.70% | 17.31% | 14.19% | 19.82% | +1,110 bps | |
| Deposit Growth (YoY) | -4.31% | 6.50% | 7.80% | 2.44% | 12.24% | 3.61% | 6.48% | 8.01% | +557 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 | 0.67% | 0.52% | 0.13% | 0.19% | 0.65% | 0.16% | 0.17% | 0.27% | +8 bps | |
| Allowance / Loans | 1.64% | 1.50% | 1.51% | 1.51% | 1.36% | 1.32% | 1.30% | 1.55% | +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 | 19.41% | 18.89% | 18.94% | 19.45% | 18.66% | 17.22% | 17.41% | 17.03% | -242 bps | |
| Equity / Assets | 10.96% | 10.11% | 10.16% | 10.77% | 10.48% | 9.91% | 9.90% | 10.09% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.77% | 60.19% | 62.46% | 64.95% | 65.46% | 68.14% | 66.99% | 72.05% | +710 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |