Mesquite, TX · Charter 67999
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Mesquite, TX · Charter 67999
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 1.08% | 1.18% | 1.08% | 0.97% | +27 bps | |
| Return on Equity | n/a | n/a | 11.68% | 9.90% | 7.45% | n/a | |
| Net Interest Margin | 3.81% | 4.47% | 4.66% | 4.87% | 4.87% | +106 bps | |
| Efficiency Ratio | 84.42% | 79.14% | 78.38% | 80.55% | 82.70% | -172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.49% | 17.12% | 2.03% | 3.73% | -20.03% | -4,552 bps | |
| Loan Growth (YoY) | -7.39% | -3.03% | -4.47% | -15.28% | -28.89% | -2,150 bps | |
| Share Growth (YoY) | 36.04% | 17.97% | 8.38% | 1.85% | -22.73% | -5,877 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.26% | 0.04% | 0.42% | 0.95% | +95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.51% | 1.48% | 1.68% | 1.90% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.07% | 10.86% | 13.04% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.07% | 10.86% | 13.04% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.59% | 35.35% | 35.75% | 31.05% | 29.07% | -252 bps | |
| Liquid Assets / Assets | 59.50% | 54.43% | 51.02% | 54.73% | 60.68% | +118 bps | |