Amarillo, TX · Charter 60817
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 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.
Amarillo, TX · Charter 60817
Q4 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.55% | -0.52% | 0.95% | -10.90% | -1,089 bps | |
| Return on Equity | -0.02% | -3.76% | -3.52% | 6.50% | -150.51% | -15,049 bps | |
| Net Interest Margin | 4.64% | 4.54% | 4.62% | 5.78% | 5.61% | +96 bps | |
| Efficiency Ratio | 99.85% | 111.87% | 104.69% | 80.54% | 288% | +18,844 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.12% | 2.89% | 0.39% | 2.89% | -19.65% | -2,477 bps | |
| Loan Growth (YoY) | -9.44% | -5.28% | 10.83% | 7.72% | -3.66% | +578 bps | |
| Share Growth (YoY) | 6.72% | 3.58% | -6.73% | -8.53% | -12.53% | -1,925 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.14% | 0.52% | 0.10% | 0.09% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.51% | 0.58% | 0.63% | 0.76% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.57% | 14.62% | 14.70% | 14.56% | 7.24% | -733 bps | |
| Net Worth / Assets | 14.57% | 14.62% | 14.70% | 14.56% | 7.24% | -733 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.35% | 77.59% | 98.48% | 96.20% | 84.10% | +775 bps | |
| Liquid Assets / Assets | 32.76% | 24.85% | 13.39% | 18.65% | 19.62% | -1,315 bps | |