San Antonio, TX · Charter 68193
Q3 2013
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
San Antonio, TX · Charter 68193
Q3 2013
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.21% | 0.31% | 0.50% | 0.31% | 0.14% | -2.86% | -5.56% | -4.29% | -461 bps | |
| Return on Equity | -38.62% | 3.68% | 5.28% | 3.21% | 1.36% | -30.94% | -71.96% | -56.15% | -5,936 bps | |
| Net Interest Margin | 4.34% | 3.30% | 3.69% | 3.71% | 3.97% | 3.58% | 3.66% | 3.64% | -7 bps | |
| Efficiency Ratio | 133.68% | 104.09% | 94.98% | 97.26% | 100.43% | 120.84% | 120.32% | 107.20% | +995 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -19.57% | -18.48% | -21.81% | -18.46% | -17.06% | -14.26% | -10.42% | -11.16% | +729 bps | |
| Loan Growth (YoY) | -25.98% | -28.57% | -29.92% | -25.17% | -24.40% | -22.96% | -23.88% | -29.47% | -430 bps | |
| Share Growth (YoY) | -18.62% | -17.70% | -21.68% | -18.37% | -18.06% | -14.97% | -8.19% | -8.96% | +941 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 0.66% | 1.84% | 1.04% | 2.56% | 0.34% | 0.06% | 0.01% | -103 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 | 10.08% | 10.71% | 11.31% | 11.21% | 11.30% | 1.79% | 2.14% | 3.41% | -781 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.31% | 8.41% | 9.54% | 9.76% | 10.16% | 9.23% | 7.73% | 7.65% | -211 bps | |
| Net Worth / Assets | 8.31% | 8.41% | 9.54% | 9.76% | 10.16% | 9.23% | 7.73% | 7.65% | -211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.05% | 71.53% | 74.69% | 74.84% | 72.94% | 64.81% | 61.93% | 57.98% | -1,686 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |