PackageTrendsPeer
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West Shreveport

Shreveport, LA · Charter 19694

Q4 2002

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: Q4 2002, the quarter ended December 31, 2002, 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

West Shreveport

Shreveport, LA · Charter 19694

Q4 2002

$555KAssets
$261KLoans
$441KShares
$112KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.07%, down 254 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.00% of loans (-244 bps YoY).
  • Capital: net worth / assets of 20.26%, down 95 bps from a year ago.
  • Funding: loans stand at 59.33% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-3.07%-254 bps YoY

Net Interest Margin (YTD, annualized)

4.41%-92 bps YoY

Efficiency Ratio (YTD, annualized)

134.62%+2,628 bps YoY

Net Worth / Assets

20.26%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-0.53%-1.83%-4.50%-3.42%-3.07%-254 bps
Return on Equity-2.49%-8.55%-25.40%-18.83%-15.16%-1,267 bps
Net Interest Margin5.33%5.13%3.85%3.93%4.41%-92 bps
Efficiency Ratio108.34%121.97%144.01%140.33%134.62%+2,628 bps
Growth
Asset Growth (YoY)-10.26%-10.13%-16.59%-2.11%-15.21%-495 bps
Loan Growth (YoY)-24.65%-31.65%-44.02%-44.15%-30.65%-600 bps
Share Growth (YoY)-12.57%-10.65%-15.88%2.27%-13.42%-85 bps
Asset Quality
Delinquent Loans / Loans2.44%2.89%4.41%0.00%0.00%-244 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%2.33%3.41%0.03%0.10%-97 bps
Capital
Risk-Based Capital21.21%21.36%17.71%18.14%20.26%-95 bps
Net Worth / Assets21.21%21.36%17.71%18.14%20.26%-95 bps
Liquidity & Funding
Loans / Shares74.08%63.69%46.85%45.74%59.33%-1,474 bps
Liquid Assets / Assets38.41%3.92%57.20%58.49%44.71%+630 bps