PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Compubank, National Association

Houston, TX · Cert 34419

FDIC

Q4 2001

$1.1MAssets
n/aLoans
n/aDeposits
$-5870KEquity
Deposit mix
6%Interest-bearing $094%Noninterest $0Q1 2000Q4 2001

Executive Summary

  • Earnings: ROA of -81.49%, down 3,675 bps year over year; NIM at 23.81%.

Return on Assets (YTD, annualized)

-81.49%-3,675 bps YoY

Net Interest Margin (YTD, annualized)

23.81%

Efficiency Ratio (YTD, annualized)

210%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.45%Q1 ’0180.53%Q3 ’0176.81%Q4 ’01+953%-5%

Non-interest income vs. expense

41.79%Q1 ’011020%Q3 ’01999%Q4 ’01+3407%-2%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
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 Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.37%6.93%24.99%23.81%n/a
Efficiency Ration/an/an/an/a147.95%209%209%210%n/a
Non-Interest Burdenn/an/an/an/a15.92%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/an/an/a37.10%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 / Loans0.00%0.00%0.00%0.00%0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/a380%638%n/an/an/a
Allowance / Loansn/an/an/an/a100.00%n/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a58.94%-1467%-857%-1065%n/a
Equity / Assetsn/an/an/an/a47.26%-363%-410%-519%n/a
Liquidity & Funding
Loans / Deposits0.78%0.38%0.20%0.26%107.81%n/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%31.13%65.30%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a