Dickinson, TX · Cert 9017
FDIC
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.
Dickinson, TX · Cert 9017
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.74% | 3.24%1 | 1.83%1 | 1.34%1 | 1.25%1 | 0.99% | 3.06%1 | +123 bps | |
| Return on Equity | n/a | n/a | 34.07% | 19.01% | 14.21% | 13.34% | 10.85% | 32.80% | +1,379 bps | |
| Net Interest Margin | 3.62% | 3.47% | 3.55% | 3.37% | 3.11% | 3.04% | 3.66% | 3.64% | +27 bps | |
| Efficiency Ratio | 85.32% | 85.44% | 83.76% | 85.55% | 85.10% | 81.63% | 72.26% | 77.08% | -847 bps | |
| Non-Interest Burden | 2.85% | 2.73% | 2.76% | 2.69% | 2.45% | 2.24% | 2.25% | 2.47% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 96.01% | 100.82% | 108.11% | 13.52% | 27.20% | 22.21% | 18.97% | 12.84% | -68 bps | |
| Loan Growth (YoY) | 96.40% | 98.72% | 94.91% | 3.93% | 4.41% | 3.75% | 6.33% | 7.49% | +356 bps | |
| Deposit Growth (YoY) | 89.82% | 98.32% | 107.58% | 14.60% | 14.74% | 7.45% | 2.90% | -1.39% | -1,599 bps | |
| 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 | 0.30% | 0.34% | 0.22% | 0.18% | 0.16% | 0.17% | 0.30% | 0.15% | -3 bps | |
| Allowance / Loans | 1.56% | 1.48% | 1.50% | 1.50% | 1.52% | 1.50% | 1.46% | 1.45% | -5 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 | 16.19% | 15.23% | 20.65% | 20.59% | 19.32% | 19.38% | 19.69% | 22.21% | +161 bps | |
| Equity / Assets | 10.66% | 9.67% | 9.35% | 9.81% | 8.90% | 9.09% | 9.12% | 9.77% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.96% | 38.68% | 37.72% | 37.24% | 36.36% | 37.35% | 38.97% | 40.60% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.04% | 0.06% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |