Texas City, TX · Charter 6819
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 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.
Texas City, TX · Charter 6819
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.14% | -0.11% | -0.19% | 0.21% | -22 bps | |
| Return on Equity | 2.87% | 0.91% | -0.75% | -1.28% | 1.42% | -145 bps | |
| Net Interest Margin | 3.33% | 3.27% | 3.30% | 3.42% | 3.80% | +47 bps | |
| Efficiency Ratio | 88.47% | 94.83% | 101.43% | 98.45% | 93.72% | +525 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.91% | -0.49% | -1.48% | -1.62% | -2.17% | -307 bps | |
| Loan Growth (YoY) | 16.47% | 19.61% | 16.07% | 11.44% | 7.35% | -912 bps | |
| Share Growth (YoY) | 0.18% | -0.54% | -0.68% | -0.80% | -1.95% | -213 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.46% | 0.76% | 0.92% | 0.74% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.74% | 0.58% | 0.77% | 0.64% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.93% | 15.12% | 15.25% | 15.25% | 14.88% | -5 bps | |
| Net Worth / Assets | 14.93% | 15.12% | 15.25% | 15.25% | 14.88% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.87% | 58.60% | 61.92% | 63.21% | 61.17% | +530 bps | |
| Liquid Assets / Assets | 44.99% | 39.43% | 21.97% | 17.48% | 18.96% | -2,603 bps | |