Lakeway, TX · Cert 35147
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Lakeway, TX · Cert 35147
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.90% | 0.98% | 1.08% | 0.98% | 0.95% | 0.69% | 0.60% | -48 bps | |
| Return on Equity | 9.66% | 10.44% | 9.93% | 10.85% | 10.00% | 9.70% | 7.27% | 6.37% | -448 bps | |
| Net Interest Margin | 4.64% | 4.80% | 3.86% | 4.06% | 3.90% | 3.93% | 3.63% | 3.71% | -34 bps | |
| Efficiency Ratio | 75.08% | 73.84% | 76.83% | 73.65% | 74.14% | 74.60% | 78.14% | 81.24% | +758 bps | |
| Non-Interest Burden | 3.08% | 3.02% | 2.43% | 2.37% | 2.40% | 2.58% | 2.76% | 2.96% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | -8.84% | -8.94% | -4.02% | -5.52% | 2.13% | 5.18% | 3.27% | +729 bps | |
| Loan Growth (YoY) | -6.70% | -22.51% | -15.85% | -13.60% | -11.50% | -7.50% | -1.09% | -1.31% | +1,229 bps | |
| Deposit Growth (YoY) | 16.20% | 1.90% | 3.58% | 0.91% | -9.10% | 0.04% | 3.22% | 8.71% | +779 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 | 0.02% | 0.03% | 0.10% | 0.06% | 0.04% | 0.13% | -0.34% | 0.04% | -2 bps | |
| Allowance / Loans | 1.09% | 1.03% | 1.01% | 1.03% | 1.08% | 0.99% | 0.96% | 0.90% | -13 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 | 13.71% | 14.01% | 14.77% | 14.20% | 13.55% | 13.36% | 13.12% | 13.43% | -76 bps | |
| Equity / Assets | 9.13% | 9.69% | 10.00% | 10.05% | 9.67% | 9.43% | 9.48% | 9.37% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.24% | 85.93% | 86.47% | 89.82% | 85.91% | 79.45% | 82.87% | 81.55% | -827 bps | |
| Liquid Assets / Assets | 0.28% | 0.08% | 0.34% | 1.08% | 0.44% | 0.32% | 1.04% | 1.64% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |