San Angelo, TX · Cert 5508
FDIC
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 11.64% | 14.51% | 14.60% | 37.30% | 28.30% | +1,666 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 46.28% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 45.42% | 52.82% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | -57.15% | -52.52% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 14.43% | 27.24% | 24.74% | 36.07% | 9.44% | -499 bps | |
| Loan Growth (YoY) | -100.00% | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -100.00% | -100.00% | n/a | n/a | n/a | n/a | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | n/a | n/a | 204% | 173.35% | n/a | |
| Equity / Assets | n/a | n/a | n/a | 66.40% | 54.84% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |