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Vought Heritage

Grand Prairie, TX · Charter 1332

Q1 2000

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 2000, the quarter ended March 31, 2000, 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

Vought Heritage

Grand Prairie, TX · Charter 1332

Q1 2000

$326.5MAssets
$182.5MLoans
$271.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.72%, down 334 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.67% of loans (-10 bps YoY).
  • Funding: loans stand at 67.17% of shares as of Q1 2000.

Return on Assets (YTD, annualized)

0.72%-334 bps YoY

Net Interest Margin (YTD, annualized)

3.12%

Efficiency Ratio (YTD, annualized)

76.31%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets4.44%4.40%4.34%4.05%4.14%1.06%0.99%0.72%-334 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.41%3.18%3.12%n/a
Efficiency Ration/an/an/an/an/a69.94%70.33%76.31%n/a
Growth
Asset Growth (YoY)4.42%5.12%5.31%5.31%6.37%6.45%5.31%4.45%-86 bps
Loan Growth (YoY)30.84%26.72%23.23%17.70%8.60%19.64%21.57%21.37%+366 bps
Share Growth (YoY)3.47%4.89%6.39%5.08%6.63%6.60%2.87%4.85%-22 bps
Asset Quality
Delinquent Loans / Loans0.75%0.75%0.75%0.78%0.57%0.63%0.61%0.67%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.41%1.40%1.42%1.45%1.41%1.26%1.25%1.27%-17 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares57.87%59.65%58.46%58.03%58.93%66.95%69.09%67.17%+914 bps
Liquid Assets / Assets26.22%25.31%19.73%19.07%14.01%8.51%8.33%8.29%-1,078 bps