O'Donnell, TX · Cert 3370
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.
O'Donnell, TX · Cert 3370
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 | 0.14% | 0.23% | 0.50% | 0.64% | 0.54% | -0.54% | -0.09% | 0.28% | -35 bps | |
| Return on Equity | n/a | 2.70% | 5.79% | 7.59% | 6.46% | -6.82% | -1.03% | 3.41% | -418 bps | |
| Net Interest Margin | 4.73% | 4.40% | 5.22% | 5.45% | 4.97% | 4.18% | 4.54% | 4.75% | -70 bps | |
| Efficiency Ratio | 63.54% | 84.25% | 75.97% | 71.34% | 68.14% | 92.89% | 75.09% | 73.29% | +195 bps | |
| Non-Interest Burden | 2.62% | 3.56% | 3.74% | 3.63% | 3.12% | 3.84% | 3.09% | 3.15% | -47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.44% | 6.02% | 5.17% | 15.75% | 12.16% | 11.81% | 3.69% | -3.22% | -1,897 bps | |
| Loan Growth (YoY) | 7.20% | 4.69% | 6.64% | 14.95% | 16.77% | 3.56% | 2.03% | -15.77% | -3,071 bps | |
| Deposit Growth (YoY) | 20.06% | 7.07% | 2.79% | 1.23% | 12.46% | 12.91% | 11.91% | 10.97% | +974 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 | 2.21% | 0.52% | 0.23% | 0.93% | 0.61% | 1.97% | 1.31% | 1.20% | +27 bps | |
| Allowance / Loans | 2.12% | 2.27% | 2.20% | 1.68% | 2.54% | 2.91% | 3.05% | 3.18% | +150 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 | 16.07% | 15.60% | 14.88% | 13.56% | 13.91% | 14.61% | 14.67% | 15.53% | +197 bps | |
| Equity / Assets | 8.29% | 8.69% | 8.89% | 7.85% | 7.88% | 8.09% | 8.84% | 8.43% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.96% | 82.59% | 99.49% | 100.96% | 86.14% | 75.75% | 90.70% | 76.63% | -2,432 bps | |
| Liquid Assets / Assets | 6.35% | 6.62% | 5.51% | 4.74% | 7.33% | 7.66% | 8.27% | 7.61% | +287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |