San Antonio, TX · Charter 12200
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 12200
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.81% | 0.19% | -0.59% | -1.09% | -0.63% | 1.83% | 1.41% | +200 bps | |
| Return on Equity | 5.83% | 7.94% | 2.19% | -6.52% | -12.10% | -5.83% | 16.45% | 12.70% | +1,922 bps | |
| Net Interest Margin | 5.70% | 6.31% | 5.42% | 6.19% | 6.31% | 7.42% | 6.99% | 6.58% | +39 bps | |
| Efficiency Ratio | 81.71% | 81.66% | 81.07% | 100.67% | 100.33% | 91.09% | 79.88% | 76.27% | -2,440 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 1.49% | 0.92% | -0.11% | -2.97% | -10.48% | -12.69% | -14.02% | -1,391 bps | |
| Loan Growth (YoY) | 2.63% | 3.91% | 6.77% | 2.84% | 1.69% | -2.94% | -9.59% | -13.59% | -1,642 bps | |
| Share Growth (YoY) | 4.09% | 0.72% | 1.46% | 0.36% | -2.79% | -11.15% | -14.90% | -16.24% | -1,660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 1.54% | 0.97% | 3.20% | 2.30% | 4.19% | 2.65% | 4.27% | +107 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 | 0.79% | 0.77% | 0.89% | 0.73% | 0.78% | 1.49% | 1.54% | 1.47% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.07% | 10.19% | 8.81% | 9.06% | 8.97% | 10.75% | 11.12% | 11.13% | +207 bps | |
| Net Worth / Assets | 9.07% | 10.19% | 8.81% | 9.06% | 8.97% | 10.75% | 11.12% | 11.13% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.50% | 75.13% | 70.37% | 65.89% | 69.57% | 82.06% | 74.77% | 67.97% | +209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |