Ennis, TX · Cert 57168
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -5.35% | -1.64% | 2.83% | 0.23% | -0.13% | 0.21% | 0.43% | -240 bps | |
| Return on Equity | n/a | -14.43% | -6.36% | 13.98% | 1.36% | -0.93% | 1.69% | 3.61% | -1,037 bps | |
| Net Interest Margin | 0.79% | 6.44% | 5.77% | 5.75% | 5.13% | 4.40% | 4.34% | 4.67% | -108 bps | |
| Efficiency Ratio | 325% | 145.24% | 106.77% | 82.47% | 87.63% | 89.43% | 83.09% | 76.36% | -611 bps | |
| Non-Interest Burden | n/a | 9.50% | 6.18% | 4.69% | 4.46% | 3.92% | 3.57% | 3.50% | -119 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% | 0.29% | 0.04% | 0.05% | +5 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 |