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Houston Commercial Bank

Houston, TX · Cert 57121

FDIC

Q3 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Houston Commercial Bank

Houston, TX · Cert 57121

FDIC

Q3 2003

$38.3MAssets
$31.6MLoans
$32.7MDeposits
$5.5MEquity
Deposit mix
73%Interest-bearing $24.0M27%Noninterest $8.7MQ3 2002Q3 2003

NIM

3.09%Q3 ’015.43%Q3 ’025.51%Q3 ’03+103%+6%

Non-interest income vs. expense

5.24%Q3 ’014.28%Q3 ’023.64%Q3 ’03-17%-20%

Executive Summary

  • Earnings: ROA of 1.10%, up 153 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 96.73% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

1.10%+153 bps YoY

Net Interest Margin (YTD, annualized)

4.49%+26 bps YoY

Efficiency Ratio (YTD, annualized)

74.81%-2,148 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-0.43%-0.33%0.52%1.06%1.10%+153 bps
Return on Equity-2.45%-1.90%3.30%6.95%7.32%+977 bps
Net Interest Margin4.24%4.17%4.61%4.82%4.49%+26 bps
Efficiency Ratio96.29%94.39%84.12%75.43%74.81%-2,148 bps
Non-Interest Burden4.07%3.92%3.81%3.53%3.27%-80 bps
Growth
Asset Growth (YoY)27.28%21.31%16.38%19.17%18.43%-885 bps
Loan Growth (YoY)141.98%58.72%35.09%42.70%31.37%-11,061 bps
Deposit Growth (YoY)36.00%27.40%20.02%22.25%20.87%-1,513 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.06%0.00%0.00%0.00%-8 bps
Allowance / Loans0.98%1.11%1.18%1.05%1.12%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital20.73%20.92%20.06%17.42%17.34%-339 bps
Equity / Assets16.06%16.13%15.24%14.49%14.32%-174 bps
Liquidity & Funding
Loans / Deposits89.00%94.43%89.30%99.42%96.73%+773 bps
Liquid Assets / Assets3.09%3.11%2.91%2.70%2.61%-48 bps
CRE / Total Capitaln/an/an/an/an/an/an/a