San Antonio, TX · Cert 34551
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 34551
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -24.79% | -9.29% | -12.58% | -13.65% | -14.48% | -60.64% | -45.14% | -45.54% | -3,189 bps | |
| Return on Equity | -160.03% | -1031% | 2363% | 596% | 794% | -604% | -298% | -244% | -84,006 bps | |
| Net Interest Margin | 13.95% | 4.33% | 5.73% | 7.80% | 13.98% | 15.13% | 98.11% | 90.04% | +8,225 bps | |
| Efficiency Ratio | n/a | 268% | 302% | 284% | 275% | 468% | 208% | 202% | -8,196 bps | |
| Non-Interest Burden | 34.95% | 11.45% | 17.36% | 22.79% | 40.68% | 48.29% | 325% | 336% | +31,314 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -59.51% | -59.64% | -75.88% | -79.77% | -78.39% | -98.08% | -96.86% | -96.50% | -1,673 bps | |
| Loan Growth (YoY) | -65.12% | -71.01% | -74.54% | -78.10% | -70.59% | -99.92% | -100.00% | -100.00% | -2,190 bps | |
| Deposit Growth (YoY) | -51.20% | -52.58% | -69.04% | -71.58% | -78.79% | -99.79% | -100.00% | -100.00% | -2,842 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 30.42% | 28.54% | 32.80% | 35.20% | 38.37% | 14200% | 9100% | n/a | n/a | |
| Allowance / Loans | 12.99% | 13.18% | 11.28% | 10.47% | 6.76% | 0.00% | n/a | n/a | n/a | |
| 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 | 4.21% | -0.48% | -8.66% | -18.95% | 5.44% | 128.00% | 156.90% | 141.67% | +16,062 bps | |
| Equity / Assets | 1.97% | -0.27% | -6.63% | -16.07% | 3.95% | 84.96% | 100.00% | 100.00% | +11,607 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.90% | 42.43% | 59.17% | 62.32% | 85.83% | 16.67% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |