Dallas, TX · Cert 33906
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 3.10% | 3.95% | 4.69% | 3.52% | +222 bps | |
| Return on Equity | 1.35% | 3.22% | 4.11% | 4.85% | 3.64% | +229 bps | |
| Net Interest Margin | 1.56% | 1.68% | 1.70% | 1.68% | 1.87% | +31 bps | |
| Efficiency Ratio | 88.49% | 81.30% | 69.82% | 64.32% | 71.24% | -1,725 bps | |
| Non-Interest Burden | -0.35% | -2.39% | -4.57% | -5.70% | -3.68% | -332 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 |