Mesquite, TX · Charter 3851
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Mesquite, TX · Charter 3851
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.38% | 0.78% | 0.33% | 0.26% | -26 bps | |
| Return on Equity | 1.89% | 1.33% | 2.78% | 1.25% | 0.97% | -92 bps | |
| Net Interest Margin | 6.31% | 6.69% | 7.18% | 6.70% | 6.53% | +22 bps | |
| Efficiency Ratio | 80.70% | 82.87% | 77.63% | 82.79% | 85.97% | +527 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.17% | 6.59% | 9.71% | 8.43% | 3.87% | -530 bps | |
| Loan Growth (YoY) | 4.23% | 4.47% | 3.68% | 8.63% | -1.71% | -594 bps | |
| Share Growth (YoY) | 10.58% | 10.94% | 14.22% | 11.63% | 6.04% | -454 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.17% | 6.06% | 8.46% | 6.80% | 7.36% | +319 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.35% | 2.63% | 2.75% | 2.72% | 2.52% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.13% | 28.22% | 27.84% | 26.67% | 26.28% | -84 bps | |
| Net Worth / Assets | 27.13% | 28.22% | 27.84% | 26.67% | 26.28% | -84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 130.10% | 132.18% | 130.02% | 133.63% | 120.59% | -951 bps | |
| Liquid Assets / Assets | 6.89% | 5.32% | 7.31% | 4.39% | 11.64% | +475 bps | |