San Antonio, TX · Charter 10759
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.
San Antonio, TX · Charter 10759
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 | 2.35% | 2.42% | 2.88% | 2.10% | 1.00% | -0.39% | -7.95% | -36.19% | -3,829 bps | |
| Return on Equity | 17.23% | 17.78% | 20.87% | 15.57% | 7.67% | -2.98% | -79.10% | n/a | n/a | |
| Net Interest Margin | 6.23% | 6.92% | 6.78% | 6.48% | 6.45% | 5.06% | 4.98% | 5.56% | -93 bps | |
| Efficiency Ratio | 46.47% | 42.11% | 46.04% | 50.58% | 54.25% | 69.25% | 77.06% | 86.93% | +3,634 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.16% | 28.94% | 21.20% | 12.16% | 13.04% | 8.11% | -4.51% | -25.52% | -3,768 bps | |
| Loan Growth (YoY) | 39.89% | 25.92% | 17.39% | 12.76% | 4.43% | -5.48% | -18.14% | -41.37% | -5,413 bps | |
| Share Growth (YoY) | 32.86% | 29.17% | 19.72% | 11.17% | 13.42% | 8.53% | 0.39% | -5.96% | -1,713 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.09% | 2.19% | 4.47% | 8.66% | 11.84% | 18.93% | 7.85% | +338 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 | 1.12% | 1.53% | 0.79% | 0.75% | 1.03% | 1.12% | 1.66% | 6.74% | +598 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.61% | 13.62% | 13.80% | 13.48% | 13.04% | 12.94% | 10.05% | -9.83% | -2,331 bps | |
| Net Worth / Assets | 13.61% | 13.62% | 13.80% | 13.48% | 13.04% | 12.94% | 10.05% | -9.83% | -2,331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.11% | 108.06% | 107.63% | 102.69% | 101.38% | 94.11% | 87.76% | 64.03% | -3,866 bps | |
| Liquid Assets / Assets | 2.86% | 4.45% | 4.96% | 8.66% | 8.51% | 14.43% | 16.17% | 28.59% | +1,992 bps | |