Prosperity Bancshares Inc. (PB) 2001年年度报告「NASDAQ」.pdf

1、1Performance Highlights2Letter to Shareholders4Spirit9Commitment10Challenge11Directors&ExecutiveManagementAnnual Report on Form 10-KInvestor InformationTABLE OF CONTENTSProsperity Bancshares,Inc.,SM is a registered financial holding company with$1.262billion in assets.Prosperity Bank,SM its primary

2、subsidiary,is a full service bank thatprovides a broad line of financial products and services to small and medium-sizedbusinesses and consumers through 29 full service banking locations in the GreaterHouston Metropolitan Area and fourteen contiguous counties.PERFORMANCE HIGHLIGHTS1(IN THOUSANDS,EXC

3、EPT PER SHARE AMOUNTS)NET INCOME$Millions01234567891011121314TOTAL SHAREHOLDERS EQUITY$Millions0102030405060708090EARNINGS PER SHARE-DILUTED$0.80.91.01.11.21.31.41.51.620012000199919981997Net Income$12,958*$10,701$9,431$7,081$5,953Return on Average Assets1.09%*1.02%1.08%1.01%1.00%Return on Average E

4、quity15.19%*14.67%14.53%14.88%13.20%*Excluding Merger Related Expenses($2.425 million before tax)Net Income would have been$14,534;Return on Average Assets would have been 1.22%;Return on Average Equity would have been 17.04%.Weighted Average Shares Outstanding(in thousands)Basic8,0868,0327,9866,916

5、6,578Diluted8,2498,2278,2047,1156,670Per ShareNet Income-Diluted$1.57*$1.30$1.15$1.00$0.89Book Value at Year-End10.959.958.637.756.46Cash Dividends Per Share0.390.360.200.200.15*Excluding Merger Related Expenses($2.425 million before tax)Net Income-Diluted Per Share would have been$1.76.Capital Rati

6、os(at year-end)Equity to Assets Ratio7.03%7.01%6.72%7.72%6.71%Tier 1 Risk-Based Capital Ratio18.3413.8013.8915.0614.15Total Risk-Based Capital Ratio19.5214.9315.7416.1415.12Leverage Ratio7.576.176.176.596.00Balance Sheet Data(at year-end)Loans$424,400$411,203$366,803$276,106$209,013Securities752,322