Paris, TX · Charter 67492
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.70% | 18.75% | 4.64% | 5.47% | 5.48% | +179 bps | |
| Efficiency Ratio | 106.52% | 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 / Loans | 10.63% | 10.29% | 8.36% | 6.18% | 0.00% | -1,063 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.40% | 3.30% | 2.56% | 3.70% | 0.86% | -255 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.18% | 19.21% | 21.22% | 20.25% | 21.88% | +170 bps | |
| Net Worth / Assets | 20.18% | 19.21% | 21.22% | 20.25% | 21.88% | +170 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.49% | 49.52% | 61.10% | 67.57% | 67.04% | +1,955 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |