San Antonio, TX · Charter 67686
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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 67686
Q3 2015
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.67% | -0.82% | -0.77% | -0.75% | -0.04% | 0.02% | -0.23% | +54 bps | |
| Return on Equity | -4.61% | -9.33% | -11.39% | -10.88% | -11.01% | -0.63% | 0.34% | -3.14% | +773 bps | |
| Net Interest Margin | 2.02% | 1.71% | 1.77% | 1.78% | 1.74% | 1.66% | 1.71% | 1.77% | -1 bps | |
| Efficiency Ratio | 102.83% | 114.21% | 119.46% | 121.97% | 122.61% | 131.59% | 119.13% | 120.86% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.95% | -1.66% | -4.35% | -4.49% | -1.51% | -5.87% | -4.92% | -7.95% | -346 bps | |
| Loan Growth (YoY) | -19.03% | -12.70% | -7.47% | -8.57% | -12.12% | -14.36% | -15.42% | -12.21% | -365 bps | |
| Share Growth (YoY) | -2.75% | -1.24% | -3.87% | -4.01% | -0.93% | -5.66% | -4.88% | -8.08% | -408 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.77% | 1.99% | 1.81% | 1.96% | 1.91% | 1.70% | 0.69% | 0.44% | -151 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 | 2.12% | 1.96% | 2.02% | 2.12% | 2.28% | 1.54% | 1.23% | 1.23% | -89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.15% | 7.17% | 7.07% | 6.79% | 6.99% | 7.20% | 7.28% | +22 bps | |
| Net Worth / Assets | 7.43% | 7.15% | 7.17% | 7.07% | 6.79% | 6.99% | 7.20% | 7.28% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.73% | 41.22% | 41.47% | 39.85% | 37.01% | 37.42% | 36.87% | 38.06% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |