San Antonio, TX · Cert 34575
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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 34575
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 0.83% | -1.40% | 0.61%1 | 0.32%1 | 0.23%1 | -0.62% | 0.27% | -33 bps | |
| Return on Equity | 9.89% | 5.19% | -9.49% | 5.48% | 3.06% | 2.20% | -6.06% | 2.68% | -281 bps | |
| Net Interest Margin | 2.47% | 2.04% | 2.39% | 3.29% | 3.30% | 3.15% | 2.69% | 2.84% | -45 bps | |
| Efficiency Ratio | 82.16% | 87.96% | 112.43% | 95.78% | 96.01% | 96.18% | 110.12% | 93.79% | -199 bps | |
| Non-Interest Burden | -0.31% | 0.80% | 3.66% | 2.90% | 2.94% | 2.81% | 3.45% | 2.34% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 125.74% | 88.17% | 75.44% | 49.71% | 33.59% | 13.10% | 14.66% | 7.09% | -4,262 bps | |
| Loan Growth (YoY) | 143.81% | 145.96% | 91.86% | 68.66% | 36.25% | 3.53% | -4.38% | -14.74% | -8,339 bps | |
| Deposit Growth (YoY) | 186.28% | 116.08% | 97.39% | 61.59% | 41.80% | 16.47% | 16.50% | 7.52% | -5,407 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.27% | 0.39% | 0.54% | 0.56% | 0.64% | 0.75% | 0.83% | 0.86% | +30 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 | 20.52% | 17.31% | 14.73% | 14.11% | 13.83% | 15.15% | 16.19% | 16.32% | +221 bps | |
| Equity / Assets | 14.78% | 12.99% | 10.87% | 11.27% | 9.74% | 10.21% | 9.67% | 10.80% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.45% | 82.00% | 81.39% | 91.08% | 74.42% | 72.89% | 66.80% | 72.23% | -1,886 bps | |
| Liquid Assets / Assets | 4.17% | 8.40% | 9.95% | 7.75% | 7.41% | 7.42% | 6.95% | 7.71% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |