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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.85% | 2.91% | 3.95% | 4.32% | 4.05% | +120 bps | |
| Return on Equity | 2.96% | 3.02% | 4.11% | 4.48% | 4.20% | +124 bps | |
| Net Interest Margin | 1.74% | 1.80% | 1.70% | 1.68% | 1.73% | -1 bps | |
| Efficiency Ratio | 78.40% | 79.17% | 69.82% | 67.06% | 68.40% | -1,000 bps | |
| Non-Interest Burden | -2.41% | -2.51% | -4.57% | -5.10% | -4.58% | -217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 462% | 480% | 489% | 490% | 488% | +2,596 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |