Houston, TX · Cert 57121
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.37% | -0.77% | -0.73% | 0.16% | -0.04% | 0.52% | 1.57% | 1.16% | +99 bps | |
| Return on Equity | -11.48% | -4.10% | -4.22% | 1.00% | -0.23% | 3.30% | 10.56% | 8.03% | +703 bps | |
| Net Interest Margin | 3.81% | 4.52% | 4.19% | 4.82% | 4.49% | 4.61% | 5.35% | 4.78% | -4 bps | |
| Efficiency Ratio | 142.91% | 102.79% | 103.06% | 85.57% | 89.31% | 84.12% | 68.34% | 73.66% | -1,191 bps | |
| Non-Interest Burden | 5.52% | 4.65% | 4.32% | 4.08% | 3.98% | 3.81% | 3.52% | 3.43% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 221% | 58.49% | 27.28% | 21.31% | 16.38% | 19.17% | 18.43% | -885 bps | |
| Loan Growth (YoY) | n/a | 14420% | 247% | 141.98% | 58.72% | 35.09% | 42.70% | 31.37% | -11,061 bps | |
| Deposit Growth (YoY) | n/a | 610% | 84.41% | 36.00% | 27.40% | 20.02% | 22.25% | 20.87% | -1,513 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 | 0.00% | 0.00% | 0.00% | 0.25% | 0.00% | 0.00% | 0.00% | 0.00% | -25 bps | |
| Allowance / Loans | 0.73% | 0.84% | 0.94% | 0.98% | 1.11% | 1.18% | 1.05% | 1.12% | +14 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 | 28.29% | 24.58% | 21.65% | 20.73% | 20.92% | 20.06% | 17.42% | 17.34% | -339 bps | |
| Equity / Assets | 19.94% | 17.74% | 16.64% | 16.06% | 16.13% | 15.24% | 14.49% | 14.32% | -174 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.80% | 79.34% | 85.17% | 89.00% | 94.43% | 89.30% | 99.42% | 96.73% | +773 bps | |
| Liquid Assets / Assets | 11.22% | 5.73% | 5.44% | 3.09% | 3.11% | 2.91% | 2.70% | 2.61% | -48 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |