San Antonio, TX · Charter 67973
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.04% | -1.28% | -3.68% | -1.92% | -0.66% | -0.16% | -1.46% | +221 bps | |
| Return on Equity | 1.61% | 0.25% | -7.40% | -22.06% | -10.86% | -3.50% | -0.85% | -8.04% | +1,402 bps | |
| Net Interest Margin | 7.30% | 7.14% | 6.59% | 8.72% | 8.33% | 8.28% | 6.80% | 6.51% | -220 bps | |
| Efficiency Ratio | 72.49% | 72.89% | 77.47% | 43.54% | 39.85% | 37.73% | 44.23% | 48.72% | +518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.53% | -15.51% | 0.07% | -2.41% | -7.24% | -10.43% | -9.64% | -5.49% | -308 bps | |
| Loan Growth (YoY) | 14.29% | -8.01% | -14.29% | -23.07% | -26.39% | -23.55% | -20.79% | -10.18% | +1,288 bps | |
| Share Growth (YoY) | 4.45% | -18.17% | -0.91% | -0.80% | -7.26% | -11.51% | -10.74% | -7.29% | -649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.54% | 17.81% | 16.71% | 16.85% | 13.10% | 9.58% | 17.47% | 7.78% | -907 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 | 4.54% | 5.20% | 6.99% | 9.43% | 7.78% | 3.74% | 5.75% | 7.47% | -197 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.53% | 17.44% | 17.29% | 16.66% | 17.67% | 18.82% | 18.79% | 18.18% | +152 bps | |
| Net Worth / Assets | 17.53% | 17.44% | 17.29% | 16.66% | 17.67% | 18.82% | 18.79% | 18.18% | +152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.30% | 104.28% | 90.49% | 87.92% | 82.79% | 90.09% | 80.30% | 85.17% | -274 bps | |
| Liquid Assets / Assets | 16.19% | 16.74% | 28.84% | 31.37% | 34.98% | 27.05% | 36.17% | 33.47% | +210 bps | |