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Suntide

Corpus Christi, TX · Charter 11070

Q2 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Suntide

Corpus Christi, TX · Charter 11070

Q2 2012

$66.0MAssets
$54.7MLoans
$58.0MShares
$7.3MNet Worth

Executive Summary

  • Earnings: ROA of 2.91%, up 39 bps year over year; NIM at 7.91%.
  • Asset quality: problem loans at 0.67% of loans (-7 bps YoY).
  • Capital: net worth / assets of 11.07%, up 92 bps from a year ago.
  • Funding: loans stand at 94.25% of shares as of Q2 2012.

Return on Assets (YTD, annualized)

2.91%+39 bps YoY

Net Interest Margin (YTD, annualized)

7.91%+60 bps YoY

Efficiency Ratio (YTD, annualized)

67.60%+739 bps YoY

Net Worth / Assets

11.07%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets1.51%2.22%2.65%2.52%2.37%2.27%2.30%2.91%+39 bps
Return on Equity16.01%22.66%26.41%24.85%23.15%22.24%22.44%26.32%+147 bps
Net Interest Margin6.40%6.47%7.51%7.31%7.09%6.83%7.77%7.91%+60 bps
Efficiency Ratio64.42%61.33%56.03%60.21%61.81%63.44%72.00%67.60%+739 bps
Growth
Asset Growth (YoY)27.87%38.65%40.34%39.81%40.08%33.71%24.51%18.88%-2,093 bps
Loan Growth (YoY)44.51%49.33%53.40%47.63%38.38%27.56%20.20%14.90%-3,273 bps
Share Growth (YoY)34.53%43.28%39.07%37.63%40.54%35.73%25.03%19.71%-1,792 bps
Asset Quality
Delinquent Loans / Loans0.43%1.12%0.64%0.74%0.71%0.77%0.44%0.67%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.61%0.55%0.75%0.79%0.82%0.73%0.73%0.62%-17 bps
Capital
Risk-Based Capital9.45%9.78%10.04%10.15%10.24%10.20%10.26%11.07%+92 bps
Net Worth / Assets9.45%9.78%10.04%10.15%10.24%10.20%10.26%11.07%+92 bps
Liquidity & Funding
Loans / Shares95.08%99.27%99.43%98.19%93.62%93.29%95.59%94.25%-394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps