Fort Hood, TX · Charter 12534
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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 Hood, TX · Charter 12534
Q2 2003
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 1.22% | 1.25% | 0.79% | 1.44% | +13 bps | |
| Return on Equity | 6.22% | 5.81% | 5.89% | 3.98% | 7.51% | +129 bps | |
| Net Interest Margin | 2.60% | 2.54% | 2.57% | 2.21% | 1.72% | -87 bps | |
| Efficiency Ratio | 81.91% | 82.91% | 82.50% | 86.89% | 77.19% | -472 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.17% | 20.12% | 16.48% | 20.40% | 17.39% | +322 bps | |
| Loan Growth (YoY) | -7.09% | -14.23% | -18.72% | -17.14% | -12.79% | -570 bps | |
| Share Growth (YoY) | 15.12% | 23.08% | 18.59% | 24.23% | 20.37% | +525 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.89% | 4.04% | 4.31% | 4.43% | 4.43% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.10% | 21.00% | 21.24% | 19.73% | 19.23% | -187 bps | |
| Net Worth / Assets | 21.10% | 21.00% | 21.24% | 19.73% | 19.23% | -187 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.49% | 12.73% | 11.90% | 10.40% | 9.77% | -372 bps | |
| Liquid Assets / Assets | 25.37% | 31.03% | 44.81% | 41.72% | 74.87% | +4,950 bps | |