Ennis, TX · Cert 57168
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Ennis, TX · Cert 57168
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.59% | -2.51% | -1.64% | 0.88% | 0.61% | 0.36% | 0.21% | 0.32% | -56 bps | |
| Return on Equity | n/a | n/a | -6.36% | 3.84% | 3.01% | 2.01% | 1.69% | 2.65% | -119 bps | |
| Net Interest Margin | 1.21% | 2.11% | 5.77% | 5.09% | 4.52% | 3.90% | 4.34% | 4.30% | -79 bps | |
| Efficiency Ratio | 325% | 187.23% | 106.77% | 93.00% | 90.97% | 90.54% | 83.09% | 79.43% | -1,357 bps | |
| Non-Interest Burden | 4.00% | 4.03% | 6.18% | 4.72% | 4.09% | 3.52% | 3.57% | 3.37% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 192.33% | 151.04% | 81.16% | 66.92% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 350% | 128.24% | 74.49% | 69.86% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 316% | 197.19% | 107.17% | 82.13% | n/a | |
| 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% | 0.00% | 0.00% | 0.07% | 0.04% | 0.04% | +4 bps | |
| Allowance / Loans | 1.01% | 1.02% | 0.99% | 1.03% | 1.01% | 1.00% | 1.00% | 0.98% | -6 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 | 68.07% | 34.24% | 24.79% | 21.93% | 18.40% | 16.63% | 15.74% | 13.78% | -815 bps | |
| Equity / Assets | 45.74% | 31.00% | 22.11% | 18.69% | 15.44% | 12.60% | 12.71% | 11.36% | -733 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.54% | 137.63% | 142.85% | 133.04% | 114.07% | 105.70% | 120.32% | 124.08% | -896 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.03% | 0.05% | 0.05% | 0.06% | 0.06% | 0.00% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |