Denison, TX · Cert 3273
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.67% | -0.99% | -0.18% | -0.13% | 0.28% | -0.75% | -0.66% | -48 bps | |
| Return on Equity | -4.13% | -7.40% | -10.33% | -1.73% | -1.21% | 2.86% | -7.93% | -7.59% | -586 bps | |
| Net Interest Margin | 4.08% | 4.28% | 4.27% | 4.24% | 4.05% | 3.77% | 3.75% | 3.53% | -71 bps | |
| Efficiency Ratio | 96.43% | 94.96% | 102.99% | 95.53% | 92.76% | 86.06% | 109.60% | 103.92% | +839 bps | |
| Non-Interest Burden | 3.83% | 3.90% | 4.48% | 3.92% | 3.55% | 2.83% | 4.35% | 3.77% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.78% | 15.07% | 10.34% | 11.33% | 32.25% | 29.17% | 29.17% | 29.50% | +1,818 bps | |
| Loan Growth (YoY) | 16.94% | 27.13% | 25.92% | 22.98% | 37.09% | 23.03% | 24.11% | 22.06% | -92 bps | |
| Deposit Growth (YoY) | 16.49% | 14.93% | 10.07% | 8.86% | 31.36% | 27.92% | 30.19% | 32.55% | +2,369 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 | 1.08% | 0.69% | 0.54% | 0.67% | 0.77% | 0.53% | 0.68% | 0.62% | -4 bps | |
| Allowance / Loans | 1.41% | 1.51% | 1.74% | 1.65% | 1.49% | 1.59% | 1.53% | 1.57% | -9 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 | 10.96% | 10.18% | 11.49% | 13.20% | 11.60% | 11.69% | 10.86% | 10.07% | -313 bps | |
| Equity / Assets | 9.31% | 8.84% | 10.21% | 11.18% | 9.73% | 9.71% | 9.23% | 8.30% | -288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.51% | 84.58% | 86.25% | 85.75% | 82.98% | 81.35% | 82.22% | 78.96% | -678 bps | |
| Liquid Assets / Assets | 0.65% | 1.23% | 0.42% | 3.95% | 6.25% | 6.36% | 5.12% | 8.75% | +480 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |