Crockett, TX · Charter 12120
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Crockett, TX · Charter 12120
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 1.07% | 2.32% | 0.70% | 0.88% | 0.76% | 0.90% | -0.15% | -85 bps | |
| Return on Equity | 15.49% | 16.64% | 35.01% | 10.50% | 12.76% | 10.48% | 12.30% | -2.11% | -1,261 bps | |
| Net Interest Margin | 3.42% | 3.52% | 4.69% | 3.85% | 3.93% | 4.04% | 3.96% | 3.99% | +14 bps | |
| Efficiency Ratio | 73.94% | 71.06% | 52.32% | 80.58% | 77.10% | 75.67% | 73.53% | 90.24% | +966 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.13% | 15.45% | 12.75% | -3.16% | 4.90% | 2.08% | 6.18% | 5.27% | +844 bps | |
| Loan Growth (YoY) | -6.72% | -10.35% | -9.39% | 13.47% | 13.49% | 21.60% | 19.17% | 2.16% | -1,131 bps | |
| Share Growth (YoY) | 14.12% | 14.20% | 13.55% | -4.14% | 4.24% | 2.41% | 4.41% | 4.59% | +873 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.12% | 1.12% | 0.71% | 0.74% | 0.57% | 3.28% | 0.40% | -31 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 | 0.45% | 0.47% | 0.62% | 0.57% | 0.57% | 0.59% | 0.59% | 0.80% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.04% | 6.43% | 6.64% | 6.65% | 6.92% | 7.26% | 7.30% | 7.15% | +50 bps | |
| Net Worth / Assets | 6.04% | 6.43% | 6.64% | 6.65% | 6.92% | 7.26% | 7.30% | 7.15% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.91% | 65.60% | 66.56% | 75.07% | 76.12% | 77.89% | 75.96% | 73.33% | -175 bps | |
| Liquid Assets / Assets | 30.76% | 35.45% | 34.03% | 26.40% | 25.81% | 24.42% | 27.12% | 29.25% | +286 bps | |