San Antonio, TX · Cert 21117
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 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 · Cert 21117
FDIC
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.27% | 2.16% | 1.23% | 1.44% | 1.58% | 1.60% | 1.30% | 2.29% | +85 bps | |
| Return on Equity | 16.27% | 15.16% | 8.01% | 9.27% | 10.29% | 10.45% | 8.41% | 15.19% | +591 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.23% | 3.09% | 3.05% | 3.12% | 2.99% | 2.93% | -16 bps | |
| Efficiency Ratio | 65.76% | 68.64% | 79.85% | 76.56% | 75.02% | 74.84% | 77.44% | 66.55% | -1,001 bps | |
| Non-Interest Burden | 0.81% | 0.93% | 1.73% | 1.42% | 1.31% | 1.34% | 1.51% | 0.46% | -96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.64% | 6.88% | 9.51% | 13.00% | 3.88% | 7.03% | 9.96% | -0.96% | -1,396 bps | |
| Loan Growth (YoY) | -21.86% | -16.72% | -17.34% | -20.30% | -18.05% | -5.80% | -8.94% | -23.43% | -313 bps | |
| Deposit Growth (YoY) | 6.26% | 3.89% | 7.00% | 6.40% | 7.05% | 7.12% | 3.08% | 1.37% | -503 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 | 1.47% | 1.78% | 1.24% | 1.41% | 1.24% | 1.36% | 1.90% | 2.10% | +69 bps | |
| Allowance / Loans | 2.85% | 3.06% | 3.38% | 3.72% | 3.63% | 3.28% | 3.42% | 4.41% | +69 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 | 38.37% | 41.10% | 42.42% | 42.70% | 42.02% | 40.69% | 41.74% | 47.22% | +453 bps | |
| Equity / Assets | 14.70% | 15.30% | 15.44% | 15.85% | 14.91% | 15.21% | 15.58% | 14.45% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 18.90% | 16.27% | 15.06% | 14.02% | 14.47% | 14.31% | 13.31% | 10.59% | -343 bps | |
| Liquid Assets / Assets | 13.63% | 11.58% | 9.76% | 6.89% | 5.41% | 4.88% | 4.12% | 7.36% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |