Dallas, TX · Cert 33906
FDIC
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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 33906
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.66% | 3.95% | 3.62% | 2.85% | 2.91% | 3.95% | 4.32% | 4.05% | +120 bps | |
| Return on Equity | 3.80% | 4.12% | 3.77% | 2.96% | 3.02% | 4.11% | 4.48% | 4.20% | +124 bps | |
| Net Interest Margin | 2.22% | 2.01% | 1.84% | 1.74% | 1.80% | 1.70% | 1.68% | 1.73% | -1 bps | |
| Efficiency Ratio | 70.26% | 71.68% | 74.31% | 78.40% | 79.17% | 69.82% | 67.06% | 68.40% | -1,000 bps | |
| Non-Interest Burden | -4.20% | -4.12% | -3.47% | -2.41% | -2.51% | -4.57% | -5.10% | -4.58% | -217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 3.61% | 2.93% | 1.92% | 4.04% | 2.12% | 3.05% | 4.06% | +214 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 441% | 213% | 446% | 462% | 480% | 489% | 490% | 488% | +2,596 bps | |
| Equity / Assets | 96.38% | 95.78% | 96.39% | 96.48% | 95.48% | 96.72% | 96.83% | 96.54% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 19.30% | 23.42% | 25.75% | 27.86% | 30.10% | 29.98% | 30.63% | 35.85% | +799 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |