Bay City, TX · Cert 34448
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.62% | -1.32% | 0.38% | 0.86% | 0.74% | 0.90% | +223 bps | |
| Return on Equity | n/a | n/a | 4.96% | -10.63% | 3.11% | 7.26% | 6.05% | 6.96% | +1,759 bps | |
| Net Interest Margin | n/a | 3.80% | 3.81% | 4.05% | 3.97% | 4.19% | 4.23% | 4.09% | +3 bps | |
| Efficiency Ratio | n/a | 74.29% | 79.19% | 80.35% | 82.84% | 78.02% | 80.63% | 75.84% | -451 bps | |
| Non-Interest Burden | n/a | 2.27% | 2.58% | 2.89% | 2.98% | 2.91% | 3.06% | 2.63% | -26 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% | 0.13% | 7.32% | 1.01% | 0.49% | 0.09% | 1.58% | -574 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 |