Fort Worth, TX · Charter 3196
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 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.
Fort Worth, TX · Charter 3196
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.64% | 4.27% | 1.25% | 1.01% | 1.08% | -356 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.82% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.31% | 4.35% | 4.62% | n/a | |
| Efficiency Ratio | n/a | n/a | 77.07% | 76.45% | 77.72% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.55% | 14.56% | 8.76% | 9.21% | 0.63% | -1,292 bps | |
| Loan Growth (YoY) | 4.47% | 3.86% | 8.32% | 12.19% | 4.59% | +12 bps | |
| Share Growth (YoY) | 11.90% | 14.66% | 6.32% | 8.00% | -1.47% | -1,337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.38% | 0.94% | 0.61% | 0.81% | +73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.57% | 0.42% | 0.48% | 0.38% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 18.59% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 18.59% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.50% | 77.79% | 85.51% | 80.18% | 85.45% | +495 bps | |
| Liquid Assets / Assets | 23.62% | 22.73% | 17.18% | 20.59% | 23.74% | +12 bps | |