Midland, TX · Charter 6432
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.
Midland, TX · Charter 6432
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.59% | 0.47% | 0.15% | 0.25% | 0.25% | -0.03% | -0.02% | -17 bps | |
| Return on Equity | 6.15% | 3.82% | 3.29% | 1.20% | 1.99% | 1.89% | -0.25% | -0.17% | -137 bps | |
| Net Interest Margin | 3.64% | 3.22% | 2.94% | 2.51% | 2.64% | 2.76% | 2.65% | 2.67% | +16 bps | |
| Efficiency Ratio | 68.06% | 75.37% | 77.72% | 86.73% | 83.76% | 84.13% | 83.83% | 86.67% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.22% | -6.98% | 2.34% | 24.34% | 30.72% | 20.91% | 15.02% | -6.62% | -3,096 bps | |
| Loan Growth (YoY) | 7.03% | -3.38% | -14.67% | -4.92% | -6.68% | -9.32% | -5.37% | -17.20% | -1,228 bps | |
| Share Growth (YoY) | -5.42% | -9.83% | 0.38% | 27.17% | 36.12% | 24.44% | 18.24% | -7.34% | -3,451 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.37% | 3.18% | 3.08% | 2.69% | 2.10% | 1.94% | 2.40% | 2.68% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 1.14% | 1.17% | 1.21% | 1.31% | 1.03% | 0.89% | 0.50% | -71 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.75% | 15.37% | 14.34% | 12.24% | 12.65% | 13.14% | 12.70% | 13.26% | +102 bps | |
| Net Worth / Assets | 15.75% | 15.37% | 14.34% | 12.24% | 12.65% | 13.14% | 12.70% | 13.26% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.90% | 87.25% | 73.46% | 64.54% | 65.06% | 63.58% | 58.79% | 57.68% | -687 bps | |
| Liquid Assets / Assets | 19.93% | 22.83% | 37.29% | 42.79% | 40.95% | 43.01% | 43.65% | 48.44% | +565 bps | |