PackageTrendsPeer
Letter portraitLegal landscape

Heights State Bank

Harker Heights, TX · Cert 33218

FDIC

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heights State Bank

Harker Heights, TX · Cert 33218

FDIC

Q3 2002

$52.3MAssets
$15.2MLoans
$45.4MDeposits
$6.8MEquity
Deposit mix
66%Interest-bearing $30.0M34%Noninterest $15.4MQ3 2001Q3 2002

NIM

6.94%Q1 ’015.88%Q3 ’015.11%Q3 ’02-19%+18%

Non-interest income vs. expense

2.90%Q1 ’012.65%Q3 ’012.97%Q3 ’02-10%+10%

Executive Summary

  • Earnings: ROA of 2.41%, up 41 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 33.40% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

2.41%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.28%+66 bps YoY

Efficiency Ratio (YTD, annualized)

55.12%-274 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets2.00%2.29%1.87%1.92%2.41%+41 bps
Return on Equityn/an/a16.88%16.97%20.54%n/a
Net Interest Margin3.62%3.87%3.76%3.90%4.28%+66 bps
Efficiency Ratio57.86%54.89%59.21%59.67%55.12%-274 bps
Non-Interest Burden1.69%1.70%1.80%1.89%1.86%+18 bps
Growth
Asset Growth (YoY)15.64%11.23%5.39%-2.57%-11.81%-2,745 bps
Loan Growth (YoY)-7.48%-2.48%-4.83%-9.02%-4.98%+249 bps
Deposit Growth (YoY)17.15%12.53%5.45%-3.74%-14.41%-3,155 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.05%0.09%0.03%-0.01%-2 bps
Allowance / Loans1.06%1.02%1.02%1.06%1.20%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital10.32%10.87%11.66%11.83%13.00%+269 bps
Equity / Assets10.28%10.75%11.42%11.83%13.05%+277 bps
Liquidity & Funding
Loans / Deposits30.08%31.54%33.56%35.27%33.40%+331 bps
Liquid Assets / Assets15.32%16.28%16.76%20.91%20.03%+471 bps
CRE / Total Capitaln/an/an/an/an/an/an/a