PackageTrendsPeer
Letter portraitLegal landscape

District 1 THD

Paris, TX · Charter 67492

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

District 1 THD

Paris, TX · Charter 67492

Q4 2012

$959KAssets
$498KLoans
$743KShares
$210KNet 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 -2.40%, down 137 bps year over year; NIM at 5.48%.
  • Asset quality: problem loans at 0.00% of loans (-1,063 bps YoY).
  • Capital: net worth / assets of 21.88%, up 170 bps from a year ago.
  • Funding: loans stand at 67.04% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.40%-137 bps YoY

Net Interest Margin (YTD, annualized)

5.48%+179 bps YoY

Efficiency Ratio (YTD, annualized)

131.47%+2,495 bps YoY

Net Worth / Assets

21.88%+170 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.03%-6.03%-0.56%-2.49%-2.40%-137 bps
Return on Equity-5.09%-31.39%-2.64%-12.30%-10.95%-586 bps
Net Interest Margin3.70%18.75%4.64%5.47%5.48%+179 bps
Efficiency Ratio106.52%114.63%111.90%129.51%131.47%+2,495 bps
Growth
Asset Growth (YoY)-3.70%-3.10%-14.80%-14.75%-23.35%-1,965 bps
Loan Growth (YoY)-11.79%-5.62%20.01%17.27%5.24%+1,703 bps
Share Growth (YoY)-2.87%-0.74%-9.71%-15.27%-25.45%-2,258 bps
Asset Quality
Delinquent Loans / Loans10.63%10.29%8.36%6.18%0.00%-1,063 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%3.30%2.56%3.70%0.86%-255 bps
Capital
Risk-Based Capital20.18%19.21%21.22%20.25%21.88%+170 bps
Net Worth / Assets20.18%19.21%21.22%20.25%21.88%+170 bps
Liquidity & Funding
Loans / Shares47.49%49.52%61.10%67.57%67.04%+1,955 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps