Dallas, TX · Charter 19935
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Dallas, TX · Charter 19935
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -3.21% | -2.00% | -1.21% | -20.84% | -2,025 bps | |
| Return on Equity | -15.35% | -132.67% | -77.78% | -47.79% | n/a | n/a | |
| Net Interest Margin | 4.05% | 4.89% | 5.27% | 4.91% | 5.78% | +174 bps | |
| Efficiency Ratio | 105.46% | 136.05% | 113.61% | 106.75% | 305% | +19,918 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.30% | -12.75% | 1.02% | 12.58% | 10.71% | +2,701 bps | |
| Loan Growth (YoY) | 64.07% | 53.18% | 42.96% | 49.39% | 41.15% | -2,292 bps | |
| Share Growth (YoY) | -4.14% | 0.83% | 2.73% | 14.85% | 18.50% | +2,264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.99% | 8.92% | 9.17% | 12.54% | 11.97% | +297 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.56% | 1.61% | 1.47% | 1.32% | 2.66% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.84% | 2.42% | 2.57% | 2.53% | -2.77% | -661 bps | |
| Net Worth / Assets | 3.84% | 2.42% | 2.57% | 2.53% | -2.77% | -661 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.20% | 72.44% | 73.85% | 72.94% | 71.71% | +1,151 bps | |
| Liquid Assets / Assets | 29.29% | 12.19% | 12.90% | 22.46% | 19.86% | -942 bps | |