Fort Worth, TX · Charter 12573
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 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.
Fort Worth, TX · Charter 12573
Q2 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.44% | 0.06% | 0.22% | 0.31% | 0.21% | 0.31% | -57.47% | -5,769 bps | |
| Return on Equity | 0.84% | 2.05% | 0.27% | 0.97% | 1.38% | 0.91% | 1.24% | -360% | -36,138 bps | |
| Net Interest Margin | 1.18% | 3.46% | 3.37% | 3.48% | 3.55% | 3.55% | 3.67% | 6.09% | +261 bps | |
| Efficiency Ratio | 82.75% | 84.60% | 95.10% | 93.91% | 90.03% | 94.07% | 91.63% | 149.30% | +5,539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.38% | 13.00% | 10.42% | 11.93% | -7.34% | -8.02% | -13.06% | -49.96% | -6,189 bps | |
| Loan Growth (YoY) | -28.11% | -24.11% | -27.93% | -15.95% | -6.35% | -10.09% | 4.45% | -12.94% | +301 bps | |
| Share Growth (YoY) | 26.00% | 16.40% | 11.97% | 15.46% | -9.51% | -10.44% | -16.10% | -46.43% | -6,189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.29% | 0.76% | 2.43% | 1.82% | 2.94% | 0.86% | 3.81% | +138 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 | 2.51% | 1.81% | 2.04% | 1.96% | 2.03% | 2.09% | 1.77% | 50.61% | +4,865 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.66% | 21.41% | 21.80% | 22.26% | 22.55% | 23.49% | 25.37% | 15.95% | -632 bps | |
| Net Worth / Assets | 20.66% | 21.41% | 21.80% | 22.26% | 22.55% | 23.49% | 25.37% | 15.95% | -632 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.62% | 44.04% | 40.16% | 41.10% | 42.04% | 44.22% | 49.99% | 66.79% | +2,569 bps | |
| Liquid Assets / Assets | 66.79% | 63.87% | 67.37% | 66.08% | 65.60% | 64.80% | 61.04% | 69.22% | +314 bps | |