Dallas, TX · Cert 34365
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 34365
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.54% | 0.40% | 0.26% | 0.44% | 0.52% | 0.45% | -0.20% | -46 bps | |
| Return on Equity | n/a | n/a | n/a | 2.32% | 3.98% | 4.70% | 4.10% | -1.95% | -427 bps | |
| Net Interest Margin | 4.37% | 4.44% | 4.10% | 3.69% | 4.26% | 3.93% | 3.88% | 3.44% | -25 bps | |
| Efficiency Ratio | 80.66% | 77.29% | 81.65% | 94.41% | 85.75% | 81.09% | 82.10% | 104.92% | +1,050 bps | |
| Non-Interest Burden | 3.47% | 3.36% | 3.29% | 3.48% | 3.62% | 3.14% | 3.14% | 3.62% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.65% | 17.49% | -0.51% | 5.77% | 8.45% | 9.21% | 4.93% | 16.29% | +1,052 bps | |
| Loan Growth (YoY) | 58.00% | 35.20% | 12.78% | 4.40% | 4.31% | 15.11% | 9.69% | 3.14% | -126 bps | |
| Deposit Growth (YoY) | 20.65% | 18.37% | -0.83% | 6.31% | 9.37% | 10.25% | 5.03% | 18.01% | +1,171 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 | 0.49% | 0.34% | 0.33% | -0.23% | -0.11% | -0.07% | -0.05% | 0.00% | +23 bps | |
| Allowance / Loans | 0.87% | 1.07% | 0.95% | 0.96% | 0.91% | 0.91% | 0.99% | 1.07% | +12 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 | 15.61% | 15.37% | 15.51% | 16.59% | 16.95% | 15.71% | 15.05% | 15.85% | -74 bps | |
| Equity / Assets | 11.94% | 11.10% | 10.60% | 11.50% | 11.37% | 10.52% | 10.53% | 10.20% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.94% | 82.10% | 80.19% | 85.96% | 87.69% | 85.72% | 83.75% | 75.12% | -1,083 bps | |
| Liquid Assets / Assets | 1.77% | 0.29% | 0.28% | 14.13% | 12.79% | 12.97% | 14.88% | 14.54% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |