Fort Worth, TX · Charter 10425
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Fort Worth, TX · Charter 10425
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.49% | 7.28% | 3.63% | 3.16% | 2.59% | -390 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 17.19% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 9.90% | 7.83% | 7.64% | n/a | |
| Efficiency Ratio | n/a | n/a | 42.93% | 48.17% | 56.18% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 63.75% | 52.77% | 36.54% | 16.07% | 13.12% | -5,063 bps | |
| Loan Growth (YoY) | 67.73% | 52.74% | 35.50% | 16.50% | 6.75% | -6,098 bps | |
| Share Growth (YoY) | 60.62% | 48.09% | 30.94% | 8.90% | 1.93% | -5,868 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 4.64% | 1.91% | 2.04% | 4.01% | +318 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.33% | 4.82% | 4.79% | 4.62% | 4.21% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 15.05% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 15.05% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.53% | 106.08% | 101.22% | 104.96% | 109.47% | +494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 13.54% | 0.00% | 14.34% | +1,434 bps | |