Dallas, TX · Cert 33217
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Dallas, TX · Cert 33217
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.97% | 3.01% | 2.93% | 3.12% | 2.85% | 2.25% | 2.81% | 3.04% | -8 bps | |
| Return on Equity | n/a | 18.95% | 17.56% | 18.12% | 16.06% | 12.34% | 14.73% | 15.53% | -259 bps | |
| Net Interest Margin | 2.79% | 2.98% | 3.13% | 3.16% | 2.95% | 2.36% | 3.09% | 3.29% | +13 bps | |
| Efficiency Ratio | 58.48% | 67.98% | 64.14% | 62.11% | 62.61% | 59.27% | 55.03% | 54.93% | -718 bps | |
| Non-Interest Burden | -1.24% | -0.12% | -0.56% | -0.78% | -0.79% | -1.24% | -1.30% | -1.26% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.78% | 7.75% | -2.76% | -2.25% | -9.21% | 16.42% | 3.54% | 2.92% | +517 bps | |
| Loan Growth (YoY) | 59.53% | 36.27% | 9.21% | 5.53% | 18.23% | 24.79% | 17.68% | 32.23% | +2,670 bps | |
| Deposit Growth (YoY) | 7.03% | 0.40% | -3.79% | -2.81% | -11.60% | -1.91% | 1.25% | 0.77% | +359 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.46% | 0.63% | 0.68% | 0.77% | 0.75% | 0.79% | 0.76% | 0.67% | -11 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 | 43.54% | 48.02% | 44.10% | 41.89% | 44.26% | 45.75% | 51.07% | 46.64% | +475 bps | |
| Equity / Assets | 15.16% | 16.67% | 18.32% | 18.91% | 19.85% | 16.95% | 20.87% | 20.96% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.37% | 29.69% | 33.51% | 33.72% | 40.62% | 37.77% | 38.95% | 44.25% | +1,053 bps | |
| Liquid Assets / Assets | 0.67% | 4.06% | 1.82% | 3.16% | 4.49% | 7.66% | 3.57% | 2.78% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |