PackageTrendsPeer
Letter portraitLegal landscape

S. W. E.

Kilgore, TX · Charter 10749

NCUA · 1 branch

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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

S. W. E.

Kilgore, TX · Charter 10749

NCUA · 1 branch

Q2 2019

$812KAssets
$707KLoans
$577KShares
$95KNet Worth

Executive Summary

  • Earnings: ROA of -0.05%, up 19 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.72%, up 268 bps from a year ago.
  • Funding: loans stand at 122.52% of shares as of Q2 2019.

Return on Assets (YTD, annualized)

-0.05%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+6 bps YoY

Efficiency Ratio (YTD, annualized)

113.58%+280 bps YoY

Net Worth / Assets

11.72%+268 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.09%-0.33%-0.48%-0.24%-0.08%-0.06%0.01%-0.05%+19 bps
Return on Equity1.15%-4.45%-5.45%-2.71%-0.76%-0.54%0.10%-0.45%+226 bps
Net Interest Margin1.94%2.14%3.09%3.01%3.12%3.24%2.83%3.08%+6 bps
Efficiency Ratio107.85%104.03%115.26%110.78%104.48%103.87%111.18%113.58%+280 bps
Growth
Asset Growth (YoY)8.36%17.84%-20.25%-18.30%-29.49%-30.17%-18.54%-22.39%-408 bps
Loan Growth (YoY)-4.75%-3.29%-13.17%-12.78%-10.34%-8.36%-5.05%-16.74%-397 bps
Share Growth (YoY)20.39%26.48%-29.44%-27.78%-39.41%-40.98%-27.26%-32.24%-446 bps
Asset Quality
Delinquent Loans / Loans0.00%0.03%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.90%1.02%0.95%0.93%0.91%0.91%0.91%-4 bps
Capital
Risk-Based Capital7.55%7.49%8.81%9.04%10.10%10.66%10.91%11.72%+268 bps
Net Worth / Assets7.55%7.49%8.81%9.04%10.10%10.66%10.91%11.72%+268 bps
Liquidity & Funding
Loans / Shares78.17%80.25%94.98%99.72%115.68%124.60%123.98%122.52%+2,280 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps