Houston, TX · Cert 34419
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Houston, TX · Cert 34419
FDIC
Q4 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -25.29% | -40.44% | -46.83% | -44.74% | -25.25% | -99.35% | -88.77% | -81.49% | -3,675 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.37% | 6.93% | 24.99% | 23.81% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 147.95% | 209% | 209% | 210% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 15.92% | 118.36% | 558% | 548% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 791% | 934% | 765% | 65.37% | -71.09% | -97.16% | -97.72% | -98.52% | -16,389 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 37.10% | 133.90% | -100.00% | -100.00% | -100.00% | -13,710 bps | |
| Deposit Growth (YoY) | 1192% | 1732% | 919% | 575% | -98.30% | -100.00% | -100.00% | -100.00% | -67,546 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | 380% | 638% | n/a | n/a | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 100.00% | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | 58.94% | -1467% | -857% | -1065% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 47.26% | -363% | -410% | -519% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.78% | 0.38% | 0.20% | 0.26% | 107.81% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 31.13% | 65.30% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |