Bay City, TX · Cert 34448
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Bay City, TX · Cert 34448
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.04% | 0.83% | 0.10%1 | 0.17% | 0.86% | 0.81% | 0.84% | +73 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 7.26% | 6.61% | 6.73% | n/a | |
| Net Interest Margin | n/a | 3.80% | 3.77% | 3.82% | 3.76% | 4.19% | 4.24% | 4.14% | +32 bps | |
| Efficiency Ratio | n/a | 74.29% | 76.76% | 77.97% | 79.21% | 78.02% | 79.34% | 78.16% | +18 bps | |
| Non-Interest Burden | n/a | 2.27% | 2.40% | 2.54% | 2.59% | 2.91% | 3.00% | 2.84% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.63% | 14.57% | 15.14% | 12.92% | 5.66% | 4.90% | 2.12% | -1.43% | -1,435 bps | |
| Loan Growth (YoY) | 5.77% | 33.96% | 29.76% | 32.30% | 27.01% | 6.36% | -1.50% | -12.32% | -4,463 bps | |
| Deposit Growth (YoY) | 16.00% | 13.23% | 14.08% | 11.97% | 5.02% | 5.52% | 1.64% | -2.53% | -1,450 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 | n/a | 0.57% | 0.32% | 2.65% | 2.32% | 0.49% | 0.28% | 0.74% | -192 bps | |
| Allowance / Loans | n/a | 0.95% | 1.04% | 1.05% | 1.50% | 1.44% | 1.44% | 1.30% | +24 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 | n/a | 26.59% | 26.26% | 24.89% | 25.60% | 26.55% | 27.20% | 28.53% | +364 bps | |
| Equity / Assets | n/a | 12.20% | 12.67% | 12.27% | 12.04% | 11.67% | 12.88% | 13.12% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 31.30% | 35.82% | 41.22% | 39.88% | 37.86% | 36.11% | 39.95% | 35.87% | -401 bps | |
| Liquid Assets / Assets | 0.00% | 2.20% | 1.86% | 1.79% | 1.77% | 0.00% | 0.00% | 0.00% | -179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |