San Antonio, TX · Cert 14533
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 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.
San Antonio, TX · Cert 14533
FDIC
Q3 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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.32% | 1.61% | 1.63% | 1.48% | 0.87% | 0.94% | 0.78% | -85 bps | |
| Return on Equity | n/a | 13.02% | 15.11% | 14.91% | 13.69% | 8.23% | 8.82% | 7.38% | -752 bps | |
| Net Interest Margin | 4.21% | 4.01% | 3.88% | 3.79% | 3.66% | 3.03% | 3.00% | 2.86% | -93 bps | |
| Efficiency Ratio | 65.93% | 61.47% | 60.75% | 63.41% | 63.97% | 70.75% | 71.06% | 73.88% | +1,047 bps | |
| Non-Interest Burden | 1.96% | 1.53% | 1.37% | 1.49% | 1.46% | 1.54% | 1.51% | 1.59% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.11% | 0.25% | 11.49% | 12.40% | 20.39% | 14.43% | 4.56% | 3.67% | -874 bps | |
| Loan Growth (YoY) | -3.56% | -8.14% | 7.19% | 5.74% | 15.03% | 36.70% | 21.11% | 12.70% | +696 bps | |
| Deposit Growth (YoY) | 3.00% | 2.74% | 12.77% | 14.57% | 15.21% | 15.20% | 7.38% | 5.86% | -871 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 | 0.80% | 1.33% | 0.75% | 0.62% | 0.61% | 0.43% | 0.41% | 0.43% | -18 bps | |
| Allowance / Loans | n/a | 2.02% | 2.17% | 2.32% | 2.23% | 1.88% | 1.72% | 1.86% | -46 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 | 13.34% | 12.82% | 12.79% | 13.31% | 13.24% | 13.44% | 13.82% | 13.44% | +13 bps | |
| Equity / Assets | n/a | 10.20% | 11.62% | 11.64% | 10.46% | 10.74% | 10.73% | 10.47% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.65% | 52.01% | 54.39% | 52.97% | 53.56% | 61.72% | 61.34% | 56.40% | +342 bps | |
| Liquid Assets / Assets | 0.00% | 6.35% | 6.94% | 9.93% | 10.60% | 3.23% | 2.56% | 7.03% | -290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |