Mesquite, TX · Charter 3851
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.63% | 0.30% | 0.51% | 0.38% | 0.78% | 0.33% | 0.26% | -26 bps | |
| Return on Equity | 3.42% | 2.09% | 1.04% | 1.89% | 1.33% | 2.78% | 1.25% | 0.97% | -92 bps | |
| Net Interest Margin | 6.92% | 6.73% | 6.74% | 6.31% | 6.69% | 7.18% | 6.70% | 6.53% | +22 bps | |
| Efficiency Ratio | 74.70% | 79.69% | 84.78% | 80.70% | 82.87% | 77.63% | 82.79% | 85.97% | +527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.73% | 7.77% | 7.40% | 9.17% | 6.59% | 9.71% | 8.43% | 3.87% | -530 bps | |
| Loan Growth (YoY) | 16.86% | 21.96% | 3.68% | 4.23% | 4.47% | 3.68% | 8.63% | -1.71% | -594 bps | |
| Share Growth (YoY) | 3.90% | 5.89% | 5.74% | 10.58% | 10.94% | 14.22% | 11.63% | 6.04% | -454 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.62% | 3.25% | 2.23% | 4.17% | 6.06% | 8.46% | 6.80% | 7.36% | +319 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 2.44% | 2.77% | 2.35% | 2.63% | 2.75% | 2.72% | 2.52% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.57% | 29.93% | 28.50% | 27.13% | 28.22% | 27.84% | 26.67% | 26.28% | -84 bps | |
| Net Worth / Assets | 29.57% | 29.93% | 28.50% | 27.13% | 28.22% | 27.84% | 26.67% | 26.28% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 140.37% | 143.24% | 137.32% | 130.10% | 132.18% | 130.02% | 133.63% | 120.59% | -951 bps | |
| Liquid Assets / Assets | 3.22% | 1.94% | 3.52% | 6.89% | 5.32% | 7.31% | 4.39% | 11.64% | +475 bps | |