San Antonio, TX · Cert 34551
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -77.08% | -9.29% | -16.04% | -19.83% | -23.52% | -60.64% | -23.53% | -110.69% | -9,086 bps | |
| Return on Equity | -687% | -1031% | 677% | 190.48% | 305% | -604% | -25.67% | -110.69% | -30,117 bps | |
| Net Interest Margin | 9.66% | 4.33% | 5.11% | 6.92% | 10.74% | 15.13% | 0.00% | 0.00% | -692 bps | |
| Efficiency Ratio | n/a | 268% | 341% | 247% | 242% | 468% | 107.50% | 178.57% | -6,810 bps | |
| Non-Interest Burden | 77.07% | 11.45% | 17.95% | 18.46% | 30.60% | 48.29% | 22.64% | 114.29% | +9,583 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 | 21.79% | 28.54% | 26.64% | 20.09% | 24.23% | 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 |