San Antonio, TX · Cert 35148
FDIC
Q1 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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.75% | -2.48% | -2.00% | -2.75% | -0.34% | +341 bps | |
| Return on Equity | -47.22% | -31.44% | -25.55% | -35.67% | -2.57% | +4,465 bps | |
| Net Interest Margin | 3.33% | 3.39% | 3.40% | 3.52% | 3.49% | +16 bps | |
| Efficiency Ratio | 119.14% | 123.62% | 127.55% | 138.46% | 127.56% | +842 bps | |
| Non-Interest Burden | 4.10% | 4.35% | 4.51% | 5.13% | 4.66% | +57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.54% | -14.54% | -9.83% | -13.66% | 4.98% | +1,852 bps | |
| Loan Growth (YoY) | -14.21% | -24.00% | -33.11% | -26.03% | -29.43% | -1,522 bps | |
| Deposit Growth (YoY) | -12.16% | -12.90% | -11.59% | -12.74% | -7.29% | +487 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.81% | 0.86% | 2.05% | 2.94% | 0.56% | -24 bps | |
| Allowance / Loans | 3.62% | 4.13% | 3.43% | 2.98% | 3.30% | -32 bps | |
| 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 | 11.84% | 12.44% | 12.23% | 10.66% | 15.30% | +347 bps | |
| Equity / Assets | 7.53% | 7.79% | 7.59% | 7.18% | 18.37% | +1,083 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.65% | 65.31% | 57.18% | 63.60% | 56.07% | -1,759 bps | |
| Liquid Assets / Assets | 2.21% | 2.35% | 5.20% | 3.14% | 0.52% | -169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |