Harker Heights, TX · Cert 33218
FDIC
Q3 2002
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 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% | 2.24% | 2.00% | 2.29% | 1.87% | 1.92% | 2.41% | +41 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 16.88% | 16.97% | 20.54% | n/a | |
| Net Interest Margin | n/a | 4.46% | 3.95% | 3.62% | 3.87% | 3.76% | 3.90% | 4.28% | +66 bps | |
| Efficiency Ratio | n/a | 52.88% | 55.40% | 57.86% | 54.89% | 59.21% | 59.67% | 55.12% | -274 bps | |
| Non-Interest Burden | n/a | 1.88% | 1.75% | 1.69% | 1.70% | 1.80% | 1.89% | 1.86% | +18 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% | -0.01% | 0.01% | 0.05% | 0.09% | 0.03% | -0.01% | -2 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 |