San Antonio, TX · Charter 67461
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 67461
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.12% | -1.01% | -1.46% | -4.75% | -1.33% | -1.39% | -2.37% | -2.74% | +201 bps | |
| Return on Equity | -11.86% | -11.02% | -17.00% | -64.31% | -17.42% | -18.58% | -35.43% | -45.75% | +1,856 bps | |
| Net Interest Margin | 3.49% | 3.62% | 3.54% | 3.37% | 3.35% | 3.61% | 3.85% | 3.77% | +39 bps | |
| Efficiency Ratio | 123.05% | 118.93% | 131.28% | 130.45% | 127.91% | 101.25% | 112.49% | 177.86% | +4,741 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.59% | -4.43% | -3.91% | -2.80% | 2.89% | -0.98% | -5.32% | -5.12% | -231 bps | |
| Loan Growth (YoY) | 4.31% | 12.73% | 3.81% | 6.38% | 0.25% | 0.24% | 8.17% | 4.10% | -228 bps | |
| Share Growth (YoY) | -7.71% | -4.12% | -3.59% | -1.10% | 4.22% | 0.47% | -2.99% | -3.80% | -270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.86% | 0.44% | 0.27% | 1.12% | 2.62% | 7.09% | 5.87% | +560 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 | 0.75% | 0.83% | 0.65% | 0.66% | 0.65% | 0.98% | 1.76% | 1.85% | +119 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.42% | 9.15% | 8.56% | 7.38% | 7.62% | 7.51% | 6.68% | 5.99% | -140 bps | |
| Net Worth / Assets | 9.42% | 9.15% | 8.56% | 7.38% | 7.62% | 7.51% | 6.68% | 5.99% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.87% | 72.21% | 68.55% | 66.89% | 66.24% | 72.05% | 76.43% | 72.38% | +549 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |