Houston, TX · Cert 34316
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 1.03% | 1.00% | 0.98% | 0.99% | 1.36% | 1.38% | 1.04% | +6 bps | |
| Return on Equity | n/a | n/a | 13.04% | 14.05% | 15.30% | 20.61% | 19.27% | 14.21% | +17 bps | |
| Net Interest Margin | n/a | 3.97% | 4.04% | 4.06% | 3.95% | 4.32% | 4.38% | 3.97% | -9 bps | |
| Efficiency Ratio | n/a | 63.99% | 64.07% | 63.22% | 65.64% | 54.25% | 56.47% | 65.90% | +269 bps | |
| Non-Interest Burden | n/a | 2.33% | 2.44% | 2.42% | 2.50% | 2.19% | 2.27% | 2.44% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.35% | 34.22% | 51.09% | 61.50% | 60.93% | 32.03% | 17.38% | 5.53% | -5,597 bps | |
| Loan Growth (YoY) | 29.93% | 29.41% | 40.42% | 43.70% | 46.42% | 49.31% | 35.03% | 17.74% | -2,595 bps | |
| Deposit Growth (YoY) | 32.60% | 33.31% | 53.97% | 63.07% | 59.62% | 26.34% | 13.46% | 6.80% | -5,627 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | 1.12% | 1.02% | 1.00% | 1.02% | 1.00% | 1.02% | 1.03% | +3 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 | 13.40% | 13.07% | 11.82% | 12.11% | 12.81% | 13.47% | 13.57% | +175 bps | |
| Equity / Assets | n/a | 8.04% | 7.41% | 6.65% | 6.26% | 6.95% | 7.33% | 7.32% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.44% | 55.39% | 55.00% | 55.95% | 53.61% | 65.46% | 65.45% | 61.68% | +573 bps | |
| Liquid Assets / Assets | 0.00% | 18.18% | 18.77% | 26.11% | 31.86% | 31.28% | 30.10% | 35.15% | +904 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |