San Antonio, TX · Charter 7292
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 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 7292
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -1.30% | -3.64% | -2.00% | -0.34% | -2.17% | 10.05% | 2.81% | +481 bps | |
| Return on Equity | -3.27% | -10.99% | -34.23% | -19.39% | -2.91% | -22.01% | 81.75% | 24.37% | +4,376 bps | |
| Net Interest Margin | 4.85% | 4.83% | 4.69% | 4.45% | 4.85% | 4.99% | 5.29% | 5.30% | +85 bps | |
| Efficiency Ratio | 100.53% | 100.36% | 105.08% | 106.09% | 88.04% | 94.29% | 29.86% | 58.84% | -4,725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.56% | 0.55% | -2.08% | -1.50% | -1.33% | -1.90% | -3.42% | -1.68% | -18 bps | |
| Loan Growth (YoY) | -9.56% | -7.40% | -6.48% | -4.83% | 2.30% | -0.27% | -0.17% | 0.12% | +496 bps | |
| Share Growth (YoY) | -4.88% | 2.10% | -0.45% | 0.35% | -0.16% | 0.41% | -4.86% | -2.87% | -323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.37% | 3.98% | 3.01% | 4.78% | 4.44% | 3.36% | 3.22% | 0.61% | -417 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 | 0.91% | 1.24% | 1.25% | 1.29% | 1.15% | 1.66% | 2.34% | 2.47% | +118 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.80% | 11.79% | 10.63% | 10.32% | 11.72% | 9.85% | 12.29% | 11.54% | +122 bps | |
| Net Worth / Assets | 12.80% | 11.79% | 10.63% | 10.32% | 11.72% | 9.85% | 12.29% | 11.54% | +122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.94% | 85.72% | 81.91% | 78.70% | 91.14% | 85.14% | 85.95% | 81.13% | +243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |