Amarillo, TX · Charter 13877
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Amarillo, TX · Charter 13877
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 3.27% | 3.02% | 3.09% | -0.65% | -161 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.71% | 6.06% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 61.08% | 79.16% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -10.89% | -3.92% | 8.15% | 9.86% | 8.94% | +1,983 bps | |
| Loan Growth (YoY) | -31.50% | -11.22% | 4.74% | 20.24% | 31.27% | +6,277 bps | |
| Share Growth (YoY) | -12.75% | -7.16% | 6.26% | 5.96% | 5.51% | +1,827 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.42% | 13.60% | 2.64% | 7.15% | 5.60% | -982 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.68% | 5.94% | 4.06% | 4.88% | 2.81% | -587 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.95% | 94.12% | 93.12% | 94.81% | 96.97% | +1,903 bps | |
| Liquid Assets / Assets | 24.86% | 19.86% | 19.51% | 16.50% | 0.64% | -2,422 bps | |