San Antonio, TX · Charter 6294
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 2.75% | -0.34% | 0.60% | -5.18% | 0.03% | 0.35% | -6.13% | -673 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -59.86% | 0.31% | 3.95% | -95.76% | n/a | |
| Net Interest Margin | n/a | n/a | 3.86% | 4.93% | 4.55% | 4.09% | 4.17% | 4.13% | -80 bps | |
| Efficiency Ratio | n/a | n/a | 82.12% | 78.62% | 77.69% | 93.72% | 86.65% | 85.01% | +639 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.44% | 13.24% | 16.90% | 15.78% | 16.74% | 13.97% | 10.12% | -0.13% | -1,590 bps | |
| Loan Growth (YoY) | -20.23% | -6.93% | -1.97% | 28.12% | 34.88% | 16.04% | 0.49% | -28.61% | -5,673 bps | |
| Share Growth (YoY) | 13.19% | 16.99% | 21.46% | 19.25% | 28.30% | 22.22% | 18.23% | 10.63% | -862 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 2.50% | 3.34% | 2.20% | 6.10% | 4.80% | 1.62% | 2.42% | +22 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 | 1.37% | 2.11% | 1.87% | 1.83% | 8.46% | 7.82% | 4.48% | 10.80% | +896 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.65% | 8.51% | 8.96% | 6.40% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.65% | 8.51% | 8.96% | 6.40% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.81% | 65.59% | 67.18% | 77.47% | 68.13% | 62.27% | 57.11% | 49.99% | -2,747 bps | |
| Liquid Assets / Assets | 38.01% | 35.24% | 36.89% | 29.30% | 32.83% | 27.20% | 18.90% | 13.47% | -1,583 bps | |