San Antonio, TX · Cert 22270
FDIC
Q4 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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.09% | 1.22% | 1.44% | 2.07% | 2.19% | 2.13% | 0.26% | -119 bps | |
| Return on Equity | 22.67% | 15.09% | 17.19% | 20.24% | 29.16% | 31.30% | 30.99% | 3.01% | -1,723 bps | |
| Net Interest Margin | 5.21% | 5.12% | 5.14% | 4.94% | 5.36% | 5.06% | 4.89% | 0.61% | -433 bps | |
| Efficiency Ratio | 70.33% | 71.95% | 71.22% | 67.58% | 62.90% | 63.79% | 63.16% | 50.51% | -1,707 bps | |
| Non-Interest Burden | 3.41% | 3.44% | 3.41% | 3.07% | 3.03% | 2.91% | 2.78% | 0.28% | -279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 3.53% | 15.27% | 19.46% | 17.69% | 20.13% | 20.21% | 124.44% | +10,498 bps | |
| Loan Growth (YoY) | 22.95% | 23.73% | 23.75% | 22.62% | 20.33% | 16.36% | 22.61% | 13.51% | -912 bps | |
| Deposit Growth (YoY) | 1.56% | 2.03% | 14.47% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.21% | 0.27% | 0.42% | -0.08% | 0.36% | 0.19% | 0.03% | -40 bps | |
| Allowance / Loans | 1.31% | 1.51% | 1.52% | 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 | 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 | 9.81% | 9.17% | 9.53% | 9.52% | 9.31% | 8.33% | 8.90% | 7.05% | -246 bps | |
| Equity / Assets | 7.07% | 6.89% | 6.75% | 7.35% | 6.87% | 6.82% | 6.52% | 11.86% | +452 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.07% | 83.88% | 78.76% | 87.58% | 93.02% | 90.72% | 88.68% | 48.43% | -3,914 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |