PackageTrendsPeer
Letter portraitLegal landscape

Texas State Florists' Association

Austin, TX · Charter 63436

Q3 2004

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: Q3 2004, the quarter ended September 30, 2004, 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

Texas State Florists' Association

Austin, TX · Charter 63436

Q3 2004

$593KAssets
$225KLoans
$506KShares
$87KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.62%, down 57 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 7.88% of loans (+788 bps YoY).
  • Capital: net worth / assets of 14.72%, up 107 bps from a year ago.
  • Funding: loans stand at 44.43% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-0.62%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-37 bps YoY

Efficiency Ratio (YTD, annualized)

117.39%+1,625 bps YoY

Net Worth / Assets

14.72%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-0.05%-0.09%-0.23%-0.41%-0.62%-57 bps
Return on Equity-0.33%-0.65%-1.69%-3.13%-4.18%-385 bps
Net Interest Margin3.71%3.77%3.23%3.07%3.34%-37 bps
Efficiency Ratio101.14%102.24%106.54%112.68%117.39%+1,625 bps
Growth
Asset Growth (YoY)-5.21%-5.57%-1.34%-1.70%-10.42%-521 bps
Loan Growth (YoY)-12.65%-23.07%-18.51%-16.41%-23.22%-1,057 bps
Share Growth (YoY)-6.19%-6.32%-1.37%-1.58%-11.53%-534 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%7.88%+788 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.66%3.00%2.99%3.18%3.47%+80 bps
Capital
Risk-Based Capital13.65%13.97%13.46%13.23%14.72%+107 bps
Net Worth / Assets13.65%13.97%13.46%13.23%14.72%+107 bps
Liquidity & Funding
Loans / Shares51.19%46.85%45.22%42.10%44.43%-676 bps
Liquid Assets / Assets35.36%38.79%40.75%43.57%39.64%+427 bps