Lone Star, TX · Charter 5948
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Lone Star, TX · Charter 5948
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.16% | 4.07% | 3.91% | 3.86% | 1.06% | -309 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 | 4.13% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.31% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 7.91% | 12.15% | 19.44% | 27.31% | 22.57% | +1,466 bps | |
| Loan Growth (YoY) | 52.85% | 47.40% | 41.95% | 30.06% | 34.65% | -1,821 bps | |
| Share Growth (YoY) | 5.06% | 11.32% | 19.58% | 29.07% | 21.95% | +1,689 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.34% | 1.04% | 1.08% | 0.58% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.95% | 1.01% | 0.76% | 0.67% | -36 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 | 69.58% | 68.46% | 66.98% | 63.24% | 76.82% | +724 bps | |
| Liquid Assets / Assets | 19.33% | 17.46% | 12.63% | 10.10% | 4.86% | -1,446 bps | |