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Bankdallas, SSB

Dallas, TX · Cert 34365

FDIC

Q1 2003

$42.0MAssets
$28.3MLoans
$37.6MDeposits
$4.3MEquity
Deposit mix
87%Interest-bearing $32.9M13%Noninterest $4.7MQ1 2002Q1 2003

NIM

8.58%Q1 ’016.20%Q1 ’025.35%Q1 ’03-16%-7%

Non-interest income vs. expense

3.57%Q1 ’013.65%Q1 ’023.81%Q1 ’03+2%+4%

Executive Summary

  • Earnings: ROA of -0.20%, down 46 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 75.12% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.20%-46 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-25 bps YoY

Efficiency Ratio (YTD, annualized)

104.92%+1,050 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.26%0.44%0.52%0.45%-0.20%-46 bps
Return on Equity2.32%3.98%4.70%4.10%-1.95%-427 bps
Net Interest Margin3.69%4.26%3.93%3.88%3.44%-25 bps
Efficiency Ratio94.41%85.75%81.09%82.10%104.92%+1,050 bps
Non-Interest Burden3.48%3.62%3.14%3.14%3.62%+14 bps
Growth
Asset Growth (YoY)5.77%8.45%9.21%4.93%16.29%+1,052 bps
Loan Growth (YoY)4.40%4.31%15.11%9.69%3.14%-126 bps
Deposit Growth (YoY)6.31%9.37%10.25%5.03%18.01%+1,171 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.23%-0.11%-0.07%-0.05%0.00%+23 bps
Allowance / Loans0.96%0.91%0.91%0.99%1.07%+12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.59%16.95%15.71%15.05%15.85%-74 bps
Equity / Assets11.50%11.37%10.52%10.53%10.20%-130 bps
Liquidity & Funding
Loans / Deposits85.96%87.69%85.72%83.75%75.12%-1,083 bps
Liquid Assets / Assets14.13%12.79%12.97%14.88%14.54%+41 bps
CRE / Total Capitaln/an/an/an/an/an/an/a