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 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -13.65% | -14.48% | -60.64% | -45.14% | -45.54% | -3,189 bps | |
| Return on Equity | 596% | 794% | -604% | -298% | -244% | -84,006 bps | |
| Net Interest Margin | 7.80% | 13.98% | 15.13% | 98.11% | 90.04% | +8,225 bps | |
| Efficiency Ratio | 284% | 275% | 468% | 208% | 202% | -8,196 bps | |
| Non-Interest Burden | 22.79% | 40.68% | 48.29% | 325% | 336% | +31,314 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -79.77% | -78.39% | -98.08% | -96.86% | -96.50% | -1,673 bps | |
| Loan Growth (YoY) | -78.10% | -70.59% | -99.92% | -100.00% | -100.00% | -2,190 bps | |
| Deposit Growth (YoY) | -71.58% | -78.79% | -99.79% | -100.00% | -100.00% | -2,842 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 35.20% | 38.37% | 14200% | 9100% | n/a | n/a | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | -18.95% | 5.44% | 128.00% | 156.90% | 141.67% | +16,062 bps | |
| Equity / Assets | -16.07% | 3.95% | 84.96% | 100.00% | 100.00% | +11,607 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 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 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |