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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 1.71% | 2.42% | 2.46% | 2.24% | 1.90% | 2.18% | 1.95% | -51 bps | |
| Return on Equity | 21.02% | 15.58% | 22.25% | 21.97% | 19.49% | 17.10% | 20.04% | 16.43% | -554 bps | |
| Net Interest Margin | 3.12% | 3.49% | 3.56% | 3.55% | 3.57% | 3.19% | 3.36% | 3.42% | -13 bps | |
| Efficiency Ratio | 67.23% | 70.77% | 60.67% | 60.50% | 61.88% | 66.41% | 63.31% | 67.96% | +746 bps | |
| Non-Interest Burden | 0.95% | 1.55% | 0.94% | 0.98% | 1.19% | 1.17% | 1.01% | 1.27% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.52% | 10.38% | 9.57% | 8.80% | 5.93% | 4.90% | 2.75% | -7.69% | -1,648 bps | |
| Loan Growth (YoY) | 18.95% | 22.47% | 25.44% | 29.44% | 30.24% | 27.85% | 21.04% | 12.08% | -1,736 bps | |
| Deposit Growth (YoY) | 16.26% | 2.99% | 2.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0.00% | -0.02% | -5 bps | |
| Allowance / Loans | 0.72% | 0.75% | 0.82% | 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 | 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 | 18.24% | 17.07% | 18.30% | 17.89% | 17.36% | 15.82% | 17.02% | 17.60% | -29 bps | |
| Equity / Assets | 11.37% | 10.65% | 11.15% | 11.23% | 11.80% | 10.49% | 11.28% | 12.52% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.47% | 48.61% | 50.97% | 51.92% | 58.58% | 59.17% | 59.12% | 65.37% | +1,345 bps | |
| Liquid Assets / Assets | 11.82% | 10.82% | 10.48% | 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 | n/a | n/a | n/a |