San Antonio, TX · Cert 35148
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.88% | -4.73% | -2.81% | -3.75% | -1.15% | -1.06% | -5.03% | -0.34% | +341 bps | |
| Return on Equity | -127.25% | -76.63% | -40.35% | -47.22% | -15.01% | -13.72% | -67.94% | -2.57% | +4,465 bps | |
| Net Interest Margin | 4.74% | 3.30% | 3.09% | 3.33% | 3.34% | 3.25% | 3.46% | 3.49% | +16 bps | |
| Efficiency Ratio | 72.26% | 100.00% | 125.81% | 119.14% | 128.17% | 136.57% | 171.11% | 127.56% | +842 bps | |
| Non-Interest Burden | 3.22% | 3.30% | 4.14% | 4.10% | 4.49% | 4.59% | 6.45% | 4.66% | +57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.91% | 7.25% | -7.90% | -13.54% | -14.54% | -9.83% | -13.66% | 4.98% | +1,852 bps | |
| Loan Growth (YoY) | 1.10% | 5.79% | -13.11% | -14.21% | -24.00% | -33.11% | -26.03% | -29.43% | -1,522 bps | |
| Deposit Growth (YoY) | 14.65% | 12.06% | -7.09% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 17.31% | 2.83% | 2.00% | 0.81% | 0.76% | 4.27% | 5.60% | 0.56% | -24 bps | |
| Allowance / Loans | 1.28% | 2.19% | 2.60% | 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 | 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 | 10.50% | 9.03% | 12.87% | 11.84% | 12.44% | 12.23% | 10.66% | 15.30% | +347 bps | |
| Equity / Assets | 6.67% | 5.66% | 8.36% | 7.53% | 7.79% | 7.59% | 7.18% | 18.37% | +1,083 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.85% | 75.57% | 75.03% | 73.65% | 65.31% | 57.18% | 63.60% | 56.07% | -1,759 bps | |
| Liquid Assets / Assets | 8.92% | 3.94% | 2.14% | 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 | n/a | n/a | n/a |