Fort Worth, TX · Charter 67852
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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 67852
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.08% | -0.25% | -0.24% | -2.66% | -273 bps | |
| Return on Equity | 1.05% | 1.25% | -3.95% | -3.91% | -48.89% | -4,993 bps | |
| Net Interest Margin | 2.27% | 2.28% | 2.35% | 2.30% | 1.99% | -28 bps | |
| Efficiency Ratio | 98.63% | 97.94% | 102.83% | 101.43% | 184.91% | +8,628 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.02% | -2.13% | -6.05% | -3.51% | -4.53% | -151 bps | |
| Loan Growth (YoY) | 4.81% | 2.32% | 1.85% | -1.72% | -5.78% | -1,058 bps | |
| Share Growth (YoY) | -3.73% | -2.54% | -6.75% | -3.64% | -3.57% | +17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.45% | 0.27% | 0.29% | 0.38% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.43% | 0.49% | 0.55% | 0.48% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.08% | 6.21% | 6.24% | 6.17% | 5.45% | -63 bps | |
| Net Worth / Assets | 6.08% | 6.21% | 6.24% | 6.17% | 5.45% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.85% | 41.48% | 43.40% | 41.42% | 38.93% | -91 bps | |
| Liquid Assets / Assets | 97.45% | 0.00% | 0.00% | 0.00% | 0.00% | -9,745 bps | |