Fort Worth, TX · Charter 14726
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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 14726
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.63% | 1.45% | 2.02% | 0.84% | -33 bps | |
| Return on Equity | n/a | n/a | 13.53% | 18.76% | 8.19% | n/a | |
| Net Interest Margin | 5.29% | 5.66% | 5.94% | 5.97% | 5.36% | +7 bps | |
| Efficiency Ratio | 70.28% | 64.30% | 68.54% | 66.59% | 84.78% | +1,450 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.23% | 11.25% | 7.38% | 10.67% | 18.36% | +313 bps | |
| Loan Growth (YoY) | 16.28% | 30.78% | 58.94% | 40.91% | 30.70% | +1,442 bps | |
| Share Growth (YoY) | 13.77% | 9.89% | 5.30% | 8.42% | 18.36% | +460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.53% | 0.42% | 0.49% | 1.13% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.06% | 3.22% | 2.88% | 2.74% | 2.21% | -85 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.72% | 10.77% | 10.22% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.72% | 10.77% | 10.22% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.26% | 77.38% | 90.25% | 88.66% | 79.79% | +753 bps | |
| Liquid Assets / Assets | 10.50% | 15.61% | 9.84% | 21.17% | 27.83% | +1,733 bps | |