San Antonio, TX · Charter 9210
Q3 2008
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.86% | 0.91% | 0.93% | 0.97% | 0.60% | 0.67% | 0.68% | -24 bps | |
| Return on Equity | 7.14% | 6.80% | 7.11% | 7.20% | 7.34% | 4.71% | 5.37% | 5.36% | -185 bps | |
| Net Interest Margin | 3.42% | 3.55% | 3.51% | 3.50% | 3.57% | 3.43% | 3.31% | 3.37% | -13 bps | |
| Efficiency Ratio | 73.83% | 75.46% | 74.95% | 74.81% | 74.45% | 82.28% | 79.47% | 79.48% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.16% | 5.54% | 5.27% | 4.35% | 3.00% | 7.18% | 10.07% | 7.29% | +294 bps | |
| Loan Growth (YoY) | 4.78% | 2.96% | 3.39% | 2.07% | 1.13% | 1.11% | -2.42% | -5.19% | -726 bps | |
| Share Growth (YoY) | 4.73% | 5.13% | 4.95% | 3.85% | 2.32% | 7.13% | 10.49% | 7.41% | +355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.35% | 0.51% | 0.52% | 0.48% | 0.92% | 0.44% | 0.39% | -13 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 | 0.29% | 0.33% | 0.34% | 0.36% | 0.31% | 0.34% | 0.23% | 0.20% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 12.63% | 12.83% | 12.87% | 13.19% | 12.65% | 12.47% | 12.76% | -11 bps | |
| Net Worth / Assets | 12.59% | 12.63% | 12.83% | 12.87% | 13.19% | 12.65% | 12.47% | 12.76% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.48% | 79.23% | 79.69% | 78.47% | 80.53% | 74.78% | 70.38% | 69.27% | -920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |