Fort Worth, TX · Charter 67569
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 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.
Fort Worth, TX · Charter 67569
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | -0.21% | -0.09% | -32.57% | -74.78% | -7,441 bps | |
| Return on Equity | -1.36% | -0.75% | -0.31% | -103.40% | -536% | -53,467 bps | |
| Net Interest Margin | 4.65% | 4.62% | 4.76% | 5.56% | 5.91% | +126 bps | |
| Efficiency Ratio | 100.56% | 104.34% | 98.16% | 100.99% | 171.66% | +7,110 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.49% | -2.13% | -6.61% | -31.64% | -46.33% | -4,384 bps | |
| Loan Growth (YoY) | -24.56% | -20.05% | -25.88% | -26.44% | -27.90% | -335 bps | |
| Share Growth (YoY) | -2.22% | -0.51% | -7.59% | -35.40% | -36.19% | -3,397 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.14% | 7.46% | 0.67% | 43.90% | 59.48% | +5,734 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.42% | 5.74% | 5.88% | 23.22% | 60.11% | +5,468 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.46% | 27.81% | 28.85% | 31.50% | 13.95% | -1,351 bps | |
| Net Worth / Assets | 27.46% | 27.81% | 28.85% | 31.50% | 13.95% | -1,351 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.00% | 54.04% | 56.13% | 72.14% | 63.27% | +727 bps | |
| Liquid Assets / Assets | 41.85% | 42.35% | 36.93% | 19.70% | 69.80% | +2,795 bps | |