San Antonio, TX · Cert 22270
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.03% | 2.07% | 2.29% | 2.02% | -3.34% | -537 bps | |
| Return on Equity | 28.79% | 29.16% | 33.45% | 30.27% | -33.60% | -6,240 bps | |
| Net Interest Margin | 5.25% | 5.36% | 5.11% | 5.10% | -8.50% | -1,376 bps | |
| Efficiency Ratio | 57.48% | 62.90% | 64.66% | 61.97% | 53.30% | -418 bps | |
| Non-Interest Burden | 2.65% | 3.03% | 2.98% | 2.86% | -5.10% | -775 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.46% | 17.69% | 20.13% | 20.21% | 124.44% | +10,498 bps | |
| Loan Growth (YoY) | 22.62% | 20.33% | 16.36% | 22.61% | 13.51% | -912 bps | |
| Deposit Growth (YoY) | 19.67% | 4.87% | 7.59% | 8.89% | 105.25% | +8,557 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.93% | -0.08% | 0.79% | -0.09% | -0.49% | -142 bps | |
| Allowance / Loans | 1.43% | 1.46% | 1.26% | 1.27% | 1.30% | -12 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 9.52% | 9.31% | 8.33% | 8.90% | 7.05% | -246 bps | |
| Equity / Assets | 7.35% | 6.87% | 6.82% | 6.52% | 11.86% | +452 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.58% | 93.02% | 90.72% | 88.68% | 48.43% | -3,914 bps | |
| Liquid Assets / Assets | 0.14% | 0.13% | 0.12% | 0.00% | 0.00% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |