Rockwall, TX · Charter 14834
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Rockwall, TX · Charter 14834
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.31% | 3.47% | 3.99% | 3.99% | -5.18% | -849 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 2.29% | 2.12% | 14.16% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 30.76% | 18.37% | -6.63% | n/a | |
| Share Growth (YoY) | n/a | n/a | 4.80% | 3.64% | -9.66% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.27% | 0.31% | 0.36% | 5.38% | +538 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.60% | 2.59% | 2.71% | 2.54% | 2.74% | +13 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 | 97.27% | 97.27% | 88.04% | 96.51% | 100.53% | +326 bps | |
| Liquid Assets / Assets | 9.28% | 11.57% | 17.60% | 13.95% | 18.98% | +970 bps | |