Duncanville, TX · Cert 33201
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.29% | 1.32% | 1.43% | 1.40% | 1.19% | 1.31% | 1.51% | +8 bps | |
| Return on Equity | 19.40% | 14.36% | 14.44% | 14.81% | 14.21% | 11.87% | 12.43% | 14.01% | -80 bps | |
| Net Interest Margin | 5.52% | 5.21% | 5.05% | 5.20% | 5.13% | 4.96% | 4.96% | 4.80% | -40 bps | |
| Efficiency Ratio | 59.07% | 67.64% | 65.11% | 64.33% | 64.24% | 67.62% | 64.58% | 64.30% | -3 bps | |
| Non-Interest Burden | 2.69% | 3.08% | 2.87% | 2.88% | 2.79% | 2.95% | 2.75% | 2.59% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.35% | 10.63% | 3.14% | 1.58% | 3.34% | -5.36% | -2.67% | 2.01% | +43 bps | |
| Loan Growth (YoY) | 11.88% | 13.78% | 14.30% | 10.85% | 8.87% | 7.48% | 8.30% | 7.65% | -321 bps | |
| Deposit Growth (YoY) | 4.42% | 10.47% | 2.36% | 0.70% | 2.80% | -6.72% | -3.98% | 1.17% | +48 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 | 0.10% | 0.16% | 0.15% | 0.10% | 0.05% | 0.92% | 0.06% | 0.07% | -3 bps | |
| Allowance / Loans | 1.27% | 1.24% | 1.24% | 1.25% | 1.28% | 1.10% | 1.13% | 1.17% | -8 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 | 14.65% | 14.28% | 14.62% | 14.98% | 14.82% | 14.75% | 15.00% | 15.44% | +46 bps | |
| Equity / Assets | 9.22% | 8.75% | 9.49% | 9.87% | 9.84% | 10.21% | 10.81% | 10.78% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.27% | 65.85% | 71.08% | 73.00% | 72.30% | 75.88% | 80.18% | 77.67% | +467 bps | |
| Liquid Assets / Assets | 23.48% | 19.28% | 20.53% | 20.42% | 18.97% | 16.47% | 11.90% | 11.28% | -914 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |