PackageTrendsPeer
Letter portraitLegal landscape

Southside

San Antonio, TX · Charter 68193

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Southside

San Antonio, TX · Charter 68193

Q3 2013

$20.1MAssets
$10.7MLoans
$18.4MShares
$1.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.29%, down 461 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.01% of loans (-103 bps YoY).
  • Capital: net worth / assets of 7.65%, down 211 bps from a year ago.
  • Funding: loans stand at 57.98% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-4.29%-461 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-7 bps YoY

Efficiency Ratio (YTD, annualized)

107.20%+995 bps YoY

Net Worth / Assets

7.65%-211 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.31%0.14%-2.86%-5.56%-4.29%-461 bps
Return on Equity3.21%1.36%-30.94%-71.96%-56.15%-5,936 bps
Net Interest Margin3.71%3.97%3.58%3.66%3.64%-7 bps
Efficiency Ratio97.26%100.43%120.84%120.32%107.20%+995 bps
Growth
Asset Growth (YoY)-18.46%-17.06%-14.26%-10.42%-11.16%+729 bps
Loan Growth (YoY)-25.17%-24.40%-22.96%-23.88%-29.47%-430 bps
Share Growth (YoY)-18.37%-18.06%-14.97%-8.19%-8.96%+941 bps
Asset Quality
Delinquent Loans / Loans1.04%2.56%0.34%0.06%0.01%-103 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.21%11.30%1.79%2.14%3.41%-781 bps
Capital
Risk-Based Capital9.76%10.16%9.23%7.73%7.65%-211 bps
Net Worth / Assets9.76%10.16%9.23%7.73%7.65%-211 bps
Liquidity & Funding
Loans / Shares74.84%72.94%64.81%61.93%57.98%-1,686 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps