Austin, TX · Cert 32466
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Austin, TX · Cert 32466
FDIC
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.59% | 1.10% | 1.15% | 1.14% | 1.16% | 1.05% | 0.94% | -21 bps | |
| Return on Equity | 13.33% | 18.98% | 12.72% | 13.16% | 13.07% | 13.44% | 12.58% | 10.76% | -239 bps | |
| Net Interest Margin | 4.14% | 4.07% | 4.01% | 3.77% | 3.53% | 3.29% | 3.20% | 3.41% | -36 bps | |
| Efficiency Ratio | 68.18% | 67.81% | 70.66% | 69.44% | 68.82% | 67.71% | 67.32% | 67.05% | -239 bps | |
| Non-Interest Burden | 2.33% | 2.29% | 2.49% | 2.27% | 2.09% | 1.91% | 1.90% | 1.98% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.88% | 8.44% | 26.13% | 9.93% | 10.22% | 17.03% | 5.31% | 0.56% | -936 bps | |
| Loan Growth (YoY) | 10.13% | 17.25% | 29.07% | 10.36% | 4.22% | 0.15% | -10.49% | -11.26% | -2,161 bps | |
| Deposit Growth (YoY) | 5.01% | 7.33% | 26.88% | 8.82% | 9.34% | 17.66% | 5.21% | 0.23% | -858 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 | 0.05% | 0.04% | 0.02% | 0.08% | 0.05% | 0.04% | -0.01% | 0.02% | -6 bps | |
| Allowance / Loans | 1.06% | 1.14% | 1.14% | 1.22% | 1.23% | 1.25% | 1.36% | 1.45% | +23 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 | 10.93% | 11.94% | 12.03% | 13.24% | 13.06% | 12.61% | 13.38% | 13.85% | +61 bps | |
| Equity / Assets | 8.02% | 8.83% | 8.49% | 8.94% | 8.75% | 8.10% | 8.66% | 9.44% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.46% | 93.14% | 89.48% | 85.93% | 83.36% | 79.27% | 76.12% | 76.08% | -985 bps | |
| Liquid Assets / Assets | 6.90% | 2.06% | 0.63% | 8.24% | 8.02% | 10.42% | 8.76% | 2.29% | -595 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |