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Austin Huntsman Employees

Austin, TX · Charter 12304

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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

Austin Huntsman Employees

Austin, TX · Charter 12304

Q1 2005

$1.3MAssets
$288KLoans
$998KShares
$270KNet Worth

Executive Summary

  • Earnings: ROA of 5.56%, up 556 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.24%, up 401 bps from a year ago.
  • Funding: loans stand at 28.83% of shares as of Q1 2005.

Return on Assets (YTD, annualized)

5.56%+556 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+61 bps YoY

Efficiency Ratio (YTD, annualized)

108.47%+847 bps YoY

Net Worth / Assets

21.24%+401 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.03%0.05%0.04%0.00%0.00%0.00%0.00%5.56%+556 bps
Return on Equity0.21%0.27%0.23%0.00%0.00%0.00%0.00%26.17%+2,617 bps
Net Interest Margin2.24%2.09%2.08%1.63%1.60%1.62%1.84%2.25%+61 bps
Efficiency Ratio82.79%86.32%88.93%100.00%108.58%112.81%110.14%108.47%+847 bps
Growth
Asset Growth (YoY)-10.01%-13.73%-8.63%-2.92%-8.81%-8.59%-9.05%-17.63%-1,471 bps
Loan Growth (YoY)-27.16%-24.39%-35.00%-35.99%-42.97%-45.70%-37.41%-39.00%-301 bps
Share Growth (YoY)-9.00%-16.49%-10.69%-3.38%-10.51%-10.18%-10.36%-21.56%-1,818 bps
Asset Quality
Delinquent Loans / Loans1.49%0.00%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 / Loans2.43%4.32%5.21%5.71%6.58%7.34%7.60%2.13%-358 bps
Capital
Risk-Based Capital16.27%16.83%17.63%17.22%17.87%18.42%19.38%21.24%+401 bps
Net Worth / Assets16.27%16.83%17.63%17.22%17.87%18.42%19.38%21.24%+401 bps
Liquidity & Funding
Loans / Shares50.64%47.26%41.79%37.08%32.27%28.57%29.18%28.83%-824 bps
Liquid Assets / Assets56.58%60.58%65.69%68.97%72.90%76.04%76.30%75.51%+654 bps