PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Austin Huntsman Employees

Austin, TX · Charter 12304

Q1 2005

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%0.00%5.56%+556 bps
Return on Equity0.00%0.00%0.00%0.00%26.17%+2,617 bps
Net Interest Margin1.63%1.60%1.62%1.84%2.25%+61 bps
Efficiency Ratio100.00%108.58%112.81%110.14%108.47%+847 bps
Growth
Asset Growth (YoY)-2.92%-8.81%-8.59%-9.05%-17.63%-1,471 bps
Loan Growth (YoY)-35.99%-42.97%-45.70%-37.41%-39.00%-301 bps
Share Growth (YoY)-3.38%-10.51%-10.18%-10.36%-21.56%-1,818 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.71%6.58%7.34%7.60%2.13%-358 bps
Capital
Risk-Based Capital17.22%17.87%18.42%19.38%21.24%+401 bps
Net Worth / Assets17.22%17.87%18.42%19.38%21.24%+401 bps
Liquidity & Funding
Loans / Shares37.08%32.27%28.57%29.18%28.83%-824 bps
Liquid Assets / Assets68.97%72.90%76.04%76.30%75.51%+654 bps