PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Texas Trust Company, National Association

Dallas, TX · Cert 33906

FDIC

Q3 2004

$11.2MAssets
n/aLoans
n/aDeposits
$10.8MEquity

Executive Summary

  • Earnings: ROA of 3.52%, up 222 bps year over year; NIM at 1.87%.

Return on Assets (quarter, annualized)

3.52%+222 bps YoY

Net Interest Margin (quarter, annualized)

1.87%+31 bps YoY

Efficiency Ratio (quarter, annualized)

71.24%-1,725 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.33%Q3 ’021.56%Q3 ’031.87%Q3 ’04-33%+20%

Non-interest income vs. expense

15.83%Q3 ’0214.72%Q3 ’0313.75%Q3 ’04+89%-936%

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.34%3.95%3.28%1.30%3.10%3.95%4.69%3.52%+222 bps
Return on Equity0.35%4.12%3.42%1.35%3.22%4.11%4.85%3.64%+229 bps
Net Interest Margin2.12%2.01%1.79%1.56%1.68%1.70%1.68%1.87%+31 bps
Efficiency Ratio79.81%71.68%76.88%88.49%81.30%69.82%64.32%71.24%-1,725 bps
Non-Interest Burden-1.97%-4.12%-3.04%-0.35%-2.39%-4.57%-5.70%-3.68%-332 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/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital441%213%446%462%480%489%490%488%+2,596 bps
Equity / Assets96.38%95.78%96.39%96.48%95.48%96.72%96.83%96.54%+7 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets19.30%23.42%25.75%27.86%30.10%29.98%30.63%35.85%+799 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a