Dallas, TX · Cert 34265
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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 34265
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 1.43% | 0.51% | 0.52% | 0.54% | 0.28% | 0.47% | 0.69% | +17 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 5.32% | 7.75% | n/a | |
| Net Interest Margin | n/a | n/a | 4.62% | 4.50% | 4.20% | 3.91% | 4.24% | 4.59% | +9 bps | |
| Efficiency Ratio | n/a | n/a | 80.82% | 81.29% | 79.16% | 84.56% | 74.97% | 73.30% | -799 bps | |
| Non-Interest Burden | n/a | n/a | 3.65% | 3.57% | 3.24% | 3.27% | 3.06% | 3.24% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.77% | 21.77% | 0.56% | 4.78% | 17.68% | 21.94% | 7.86% | 7.87% | +309 bps | |
| Loan Growth (YoY) | 26.49% | 21.13% | 5.95% | 21.06% | 21.76% | 20.73% | 25.58% | 21.69% | +63 bps | |
| Deposit Growth (YoY) | 24.75% | 21.83% | 0.00% | 5.01% | 19.99% | 27.00% | 9.14% | 3.56% | -146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | -0.01% | 0.00% | 0.31% | 0.23% | 0.45% | 0.22% | +22 bps | |
| Allowance / Loans | n/a | n/a | 1.43% | 1.41% | 1.18% | 1.20% | 1.15% | 1.17% | -23 bps | |
| 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 | n/a | n/a | 13.09% | 12.70% | 11.73% | 11.67% | 10.97% | 10.85% | -185 bps | |
| Equity / Assets | n/a | n/a | 9.78% | 9.52% | 8.98% | 8.82% | 8.92% | 8.80% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.58% | 94.26% | 84.11% | 86.33% | 88.87% | 89.61% | 96.79% | 101.44% | +1,512 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.90% | 0.83% | 0.80% | 0.80% | 0.84% | 0.81% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |