Fort Worth, TX · Charter 67635
Q3 2004
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fort Worth, TX · Charter 67635
Q3 2004
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 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | 1.22% | 1.77% | -2.82% | -6.25% | -4.07% | -2.75% | -2.95% | -13 bps | |
| Return on Equity | -5.73% | 8.16% | 11.18% | -21.51% | -56.22% | -44.52% | -33.29% | n/a | n/a | |
| Net Interest Margin | 6.27% | 6.98% | 7.24% | 7.16% | 7.04% | 6.51% | 6.44% | 7.30% | +14 bps | |
| Efficiency Ratio | 68.17% | 68.00% | 61.64% | 63.23% | 90.30% | 139.82% | 125.39% | 122.57% | +5,934 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | -18.56% | -24.43% | -13.34% | -20.39% | -8.03% | -0.85% | -7.30% | +605 bps | |
| Loan Growth (YoY) | -16.30% | -18.59% | -16.34% | -8.83% | -6.58% | -9.57% | 27.41% | 35.86% | +4,469 bps | |
| Share Growth (YoY) | 4.00% | -20.59% | -28.78% | -13.61% | -17.89% | -2.79% | -3.88% | 6.69% | +2,029 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.59% | 4.28% | 1.53% | 7.79% | 26.11% | 9.72% | 2.18% | 0.27% | -752 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.54% | 1.88% | 6.56% | 17.38% | 10.71% | 6.71% | 10.53% | +397 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.84% | 14.91% | 15.82% | 13.10% | 11.12% | 9.15% | 8.27% | 0.00% | -1,310 bps | |
| Net Worth / Assets | 13.84% | 14.91% | 15.82% | 13.10% | 11.12% | 9.15% | 8.27% | 0.00% | -1,310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.94% | 79.99% | 79.54% | 83.97% | 90.95% | 74.41% | 105.43% | 106.93% | +2,296 bps | |
| Liquid Assets / Assets | 28.51% | 29.28% | 30.94% | 28.72% | 21.35% | 26.59% | 8.09% | 3.40% | -2,532 bps | |