Corsicana, TX · Charter 67514
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Corsicana, TX · Charter 67514
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.87% | 0.60% | -0.73% | 0.11% | 0.43% | 2.55% | 1.56% | 2.64% | +253 bps | |
| Return on Equity | -17.54% | 2.91% | -4.06% | 0.65% | 2.35% | 13.59% | 8.40% | 14.03% | +1,338 bps | |
| Net Interest Margin | 7.12% | 6.18% | 5.87% | 5.96% | 6.36% | 7.05% | 7.24% | 7.23% | +127 bps | |
| Efficiency Ratio | 75.98% | 90.58% | 79.42% | 74.64% | 72.36% | 64.83% | 61.93% | 59.95% | -1,469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.37% | 5.00% | 12.56% | 25.65% | 24.72% | 15.45% | 5.11% | 5.09% | -2,056 bps | |
| Loan Growth (YoY) | 13.03% | 2.00% | 14.85% | 16.00% | 20.63% | 20.37% | 16.95% | 14.85% | -114 bps | |
| Share Growth (YoY) | 19.69% | 11.53% | 19.63% | 37.31% | 31.14% | 18.08% | 4.16% | 3.79% | -3,353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.48% | 8.40% | 3.21% | 1.94% | 1.75% | 1.60% | 1.55% | 1.45% | -49 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 | 4.01% | 2.66% | 2.32% | 2.24% | 2.47% | 2.40% | 2.79% | 2.29% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.05% | 20.62% | 17.89% | 17.36% | 18.11% | 18.80% | 18.57% | 18.81% | +146 bps | |
| Net Worth / Assets | 22.05% | 20.62% | 17.89% | 17.36% | 18.11% | 18.80% | 18.57% | 18.81% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.63% | 104.29% | 105.68% | 100.42% | 105.44% | 106.32% | 118.65% | 111.13% | +1,071 bps | |
| Liquid Assets / Assets | 12.55% | 7.72% | 14.26% | 17.30% | 14.62% | 14.41% | 4.96% | 9.68% | -762 bps | |