PackageTrendsPeer
Letter portraitLegal landscape

Texdot-Wf

Wichita Falls, TX · Charter 60549

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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

Texdot-Wf

Wichita Falls, TX · Charter 60549

Q2 2008

$1.9MAssets
$2.0MLoans
$4.9MShares
$0KNet Worth

Executive Summary

  • Earnings: ROA of -355.27%, down 35,557 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 6.68% of loans (+668 bps YoY).
  • Capital: net worth / assets of 0.00%, down 762 bps from a year ago.
  • Funding: loans stand at 41.73% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

-355%-35,557 bps YoY

Net Interest Margin (YTD, annualized)

4.00%+79 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.00%-762 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.50%0.47%0.55%0.31%0.47%0.52%0.94%-355%-35,557 bps
Return on Equity6.09%5.72%6.80%4.01%6.41%7.25%13.34%n/an/a
Net Interest Margin3.63%3.51%3.58%3.22%3.15%3.12%3.12%4.00%+79 bps
Efficiency Ratio84.79%86.49%91.18%94.11%88.86%87.03%78.34%n/an/a
Growth
Asset Growth (YoY)0.85%2.88%7.06%11.87%19.11%23.08%26.77%-56.91%-6,878 bps
Loan Growth (YoY)2.71%6.07%8.59%12.14%24.26%27.28%32.83%-48.64%-6,078 bps
Share Growth (YoY)0.22%2.50%7.11%12.60%20.31%24.48%28.37%20.13%+754 bps
Asset Quality
Delinquent Loans / Loans0.44%0.00%0.09%0.00%0.07%0.33%0.05%6.68%+668 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.67%0.62%0.56%0.49%0.46%0.55%0.51%18.23%+1,773 bps
Capital
Risk-Based Capital8.17%8.21%8.08%7.62%7.32%7.23%7.01%0.00%-762 bps
Net Worth / Assets8.17%8.21%8.08%7.62%7.32%7.23%7.01%0.00%-762 bps
Liquidity & Funding
Loans / Shares97.34%98.05%97.64%97.61%100.54%100.26%101.04%41.73%-5,588 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps