San Antonio, TX · Charter 60510
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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 · Charter 60510
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.73% | -5.03% | -6.26% | -1.45% | -1.38% | -0.88% | -0.12% | 0.33% | +179 bps | |
| Return on Equity | -14.26% | -30.25% | -45.05% | -10.43% | -11.10% | -6.97% | -0.89% | 2.55% | +1,298 bps | |
| Net Interest Margin | 7.31% | 6.38% | 6.34% | 4.63% | 4.73% | 4.83% | 4.70% | 4.25% | -38 bps | |
| Efficiency Ratio | 92.38% | 49.71% | 105.35% | 121.59% | 124.38% | 115.09% | 100.41% | 92.72% | -2,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.59% | -11.73% | -16.51% | -17.72% | 0.29% | -0.54% | 5.93% | 9.76% | +2,749 bps | |
| Loan Growth (YoY) | -12.49% | -19.14% | -28.87% | -33.25% | -28.21% | -26.40% | -15.68% | -18.30% | +1,495 bps | |
| Share Growth (YoY) | -4.89% | -7.17% | -12.96% | -15.58% | 6.90% | 2.45% | 9.45% | 11.46% | +2,704 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.11% | 23.46% | 23.02% | 15.21% | 18.70% | 20.08% | 12.06% | 8.74% | -647 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.13% | 10.04% | 13.30% | 15.16% | 11.89% | 9.37% | 8.07% | 9.12% | -603 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.16% | 16.64% | 13.89% | 13.95% | 12.48% | 12.62% | 13.00% | 13.00% | -94 bps | |
| Net Worth / Assets | 19.16% | 16.64% | 13.89% | 13.95% | 12.48% | 12.62% | 13.00% | 13.00% | -94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.94% | 90.57% | 82.47% | 74.36% | 67.11% | 65.07% | 63.54% | 54.50% | -1,985 bps | |
| Liquid Assets / Assets | 11.36% | 29.12% | 36.86% | 40.00% | 45.46% | 46.16% | 36.77% | 42.23% | +223 bps | |