Tyler, TX · Cert 34412
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.46% | 2.24% | 1.90% | 2.18% | 1.95% | -51 bps | |
| Return on Equity | 21.97% | 19.49% | 17.10% | 20.04% | 16.43% | -554 bps | |
| Net Interest Margin | 3.55% | 3.57% | 3.19% | 3.36% | 3.42% | -13 bps | |
| Efficiency Ratio | 60.50% | 61.88% | 66.41% | 63.31% | 67.96% | +746 bps | |
| Non-Interest Burden | 0.98% | 1.19% | 1.17% | 1.01% | 1.27% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.80% | 5.93% | 4.90% | 2.75% | -7.69% | -1,648 bps | |
| Loan Growth (YoY) | 29.44% | 30.24% | 27.85% | 21.04% | 12.08% | -1,736 bps | |
| Deposit Growth (YoY) | 1.31% | -1.12% | 5.03% | 4.34% | -10.98% | -1,229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.00% | 0.00% | -0.02% | -5 bps | |
| Allowance / Loans | 0.82% | 0.79% | 0.78% | 0.89% | 0.96% | +14 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 17.89% | 17.36% | 15.82% | 17.02% | 17.60% | -29 bps | |
| Equity / Assets | 11.23% | 11.80% | 10.49% | 11.28% | 12.52% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.92% | 58.58% | 59.17% | 59.12% | 65.37% | +1,345 bps | |
| Liquid Assets / Assets | 9.11% | 8.34% | 7.36% | 6.91% | 5.99% | -312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |