Del Rio, TX · Charter 67491
Q3 2003
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Del Rio, TX · Charter 67491
Q3 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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.81% | 0.02% | -0.18% | 0.01% | -1.44% | 0.00% | -0.45% | -27 bps | |
| Return on Equity | 1.44% | -4.62% | 0.13% | -0.93% | 0.06% | -7.48% | 0.00% | -2.41% | -148 bps | |
| Net Interest Margin | 3.94% | 2.85% | 3.49% | 3.64% | 3.90% | 2.20% | 2.15% | 1.96% | -168 bps | |
| Efficiency Ratio | 89.35% | 127.33% | 99.38% | 104.71% | 96.14% | 160.12% | 100.00% | 115.80% | +1,108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.47% | -8.17% | -4.39% | -12.98% | -12.90% | -9.58% | -13.38% | 0.99% | +1,397 bps | |
| Loan Growth (YoY) | -29.37% | -16.67% | -24.63% | -8.16% | -5.10% | -1.74% | -2.26% | -4.72% | +344 bps | |
| Share Growth (YoY) | -23.75% | -9.72% | -5.28% | -15.67% | -15.33% | -11.14% | -15.49% | 2.55% | +1,822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.39% | 0.36% | 4.95% | 0.98% | 1.67% | 4.64% | 0.65% | -430 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 | 0.30% | 0.54% | 0.58% | 0.56% | 0.91% | 0.86% | 0.57% | 0.57% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.43% | 17.56% | 17.35% | 19.62% | 20.73% | 19.21% | 19.39% | 18.63% | -100 bps | |
| Net Worth / Assets | 18.43% | 17.56% | 17.35% | 19.62% | 20.73% | 19.21% | 19.39% | 18.63% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.80% | 53.45% | 48.75% | 59.03% | 60.30% | 59.11% | 56.38% | 54.85% | -419 bps | |
| Liquid Assets / Assets | 50.16% | 51.07% | 54.73% | 47.13% | 47.07% | 51.74% | 53.04% | 54.39% | +726 bps | |