Harker Heights, TX · Cert 33218
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.65% | 2.53% | 1.98% | 1.54% | 3.09% | 1.87% | 1.97% | 3.43% | +188 bps | |
| Return on Equity | n/a | n/a | 18.14% | 14.82% | 29.36% | 16.88% | 17.00% | 27.59% | +1,277 bps | |
| Net Interest Margin | n/a | 4.46% | 3.71% | 3.28% | 4.91% | 3.76% | 3.98% | 5.08% | +179 bps | |
| Efficiency Ratio | n/a | 52.88% | 58.15% | 63.32% | 48.14% | 59.21% | 60.11% | 47.83% | -1,549 bps | |
| Non-Interest Burden | n/a | 1.88% | 1.73% | 1.72% | 1.86% | 1.80% | 1.94% | 1.84% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.06% | 6.24% | 13.37% | 15.64% | 11.23% | 5.39% | -2.57% | -11.81% | -2,745 bps | |
| Loan Growth (YoY) | 8.68% | 13.23% | 9.02% | -7.48% | -2.48% | -4.83% | -9.02% | -4.98% | +249 bps | |
| Deposit Growth (YoY) | 6.29% | 5.61% | 14.09% | 17.15% | 12.53% | 5.45% | -3.74% | -14.41% | -3,155 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 | n/a | -0.02% | 0.00% | 0.05% | 0.19% | 0.09% | -0.02% | -0.11% | -16 bps | |
| Allowance / Loans | n/a | 0.90% | 0.88% | 1.06% | 1.02% | 1.02% | 1.06% | 1.20% | +14 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 | n/a | 11.47% | 10.73% | 10.32% | 10.87% | 11.66% | 11.83% | 13.00% | +269 bps | |
| Equity / Assets | n/a | 11.28% | 10.56% | 10.28% | 10.75% | 11.42% | 11.83% | 13.05% | +277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.40% | 37.19% | 37.32% | 30.08% | 31.54% | 33.56% | 35.27% | 33.40% | +331 bps | |
| Liquid Assets / Assets | 0.00% | 17.08% | 14.58% | 15.32% | 16.28% | 16.76% | 20.91% | 20.03% | +471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |