El Paso, TX · Charter 6769
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
El Paso, TX · Charter 6769
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.99% | 1.55% | 1.45% | 0.73% | 2.69% | 3.25% | -24.94% | -2,640 bps | |
| Return on Equity | 4.96% | 7.52% | 11.99% | 10.89% | 4.63% | 22.44% | 24.96% | -265% | -27,542 bps | |
| Net Interest Margin | 3.15% | 4.22% | 4.12% | 4.56% | 4.42% | 3.45% | 3.37% | 3.78% | -78 bps | |
| Efficiency Ratio | 89.46% | 84.28% | 76.01% | 77.69% | 87.08% | 59.82% | 55.68% | 711% | +63,287 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 98.45% | 47.34% | 56.66% | 56.85% | -12.84% | 42.02% | 31.92% | 27.99% | -2,886 bps | |
| Loan Growth (YoY) | 79.41% | 82.27% | 81.38% | 19.11% | -1.71% | 7.69% | -1.58% | 4.80% | -1,431 bps | |
| Share Growth (YoY) | 125.99% | 60.30% | 67.05% | 64.55% | -18.13% | 43.70% | 27.42% | 15.86% | -4,869 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 8.08% | 7.89% | 11.66% | 8.21% | 17.90% | 18.31% | 18.68% | +702 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 | 1.32% | 1.31% | 0.54% | 0.99% | 1.04% | 0.94% | 0.97% | 0.95% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.56% | 13.20% | 12.90% | 13.33% | 15.80% | 11.98% | 13.03% | 9.43% | -390 bps | |
| Net Worth / Assets | 9.56% | 13.20% | 12.90% | 13.33% | 15.80% | 11.98% | 13.03% | 9.43% | -390 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.10% | 73.39% | 71.36% | 64.59% | 62.55% | 55.00% | 55.12% | 58.42% | -617 bps | |
| Liquid Assets / Assets | 48.85% | 14.15% | 35.72% | 36.04% | 44.84% | 31.02% | 52.78% | 51.60% | +1,555 bps | |