San Antonio, TX · Charter 21766
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.24% | -0.17% | -0.78% | -0.62% | 0.16% | -0.38% | 0.05% | -0.31% | +31 bps | |
| Return on Equity | -44.66% | -2.34% | -11.20% | -9.03% | 2.40% | -5.61% | 0.77% | -5.01% | +402 bps | |
| Net Interest Margin | 3.82% | 3.59% | 3.75% | 3.88% | 4.55% | 4.74% | 4.19% | 3.36% | -52 bps | |
| Efficiency Ratio | 98.40% | 97.29% | 96.80% | 97.73% | 93.49% | 94.76% | 84.86% | 93.35% | -438 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.31% | 13.86% | 7.75% | 14.77% | 10.67% | -2.01% | 7.27% | 8.09% | -668 bps | |
| Loan Growth (YoY) | -6.90% | -1.37% | 3.70% | 8.93% | 13.35% | 10.19% | -2.43% | -6.85% | -1,579 bps | |
| Share Growth (YoY) | 13.08% | 13.23% | 11.57% | 16.75% | 12.29% | 0.27% | 10.52% | 7.99% | -876 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.82% | 0.76% | 0.01% | 0.00% | 0.00% | 1.93% | 2.91% | +291 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 | 0.37% | 0.37% | 1.13% | 0.45% | 0.49% | 0.23% | 0.64% | 0.21% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.27% | 7.42% | 6.97% | 6.88% | 6.73% | 6.74% | 6.40% | 6.25% | -63 bps | |
| Net Worth / Assets | 7.27% | 7.42% | 6.97% | 6.88% | 6.73% | 6.74% | 6.40% | 6.25% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.43% | 71.13% | 72.61% | 73.28% | 73.11% | 78.17% | 64.10% | 63.21% | -1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |