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 4.05%, up 120 bps year over year; NIM at 1.73%.

Return on Assets (YTD, annualized)

4.05%+120 bps YoY

Net Interest Margin (YTD, annualized)

1.73%-1 bps YoY

Efficiency Ratio (YTD, annualized)

68.40%-1,000 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.28%Q3 ’021.74%Q3 ’031.73%Q3 ’04-24%-1%

Non-interest income vs. expense

14.97%Q3 ’0215.07%Q3 ’0313.66%Q3 ’04+52%-90%

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets3.66%3.95%3.62%2.85%2.91%3.95%4.32%4.05%+120 bps
Return on Equity3.80%4.12%3.77%2.96%3.02%4.11%4.48%4.20%+124 bps
Net Interest Margin2.22%2.01%1.84%1.74%1.80%1.70%1.68%1.73%-1 bps
Efficiency Ratio70.26%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/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