Marshall, TX · Charter 8621
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.
Marshall, TX · Charter 8621
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 | -0.27% | 0.01% | -0.31% | -0.53% | -0.67% | -1.44% | -0.98% | -10.31% | -978 bps | |
| Return on Equity | -1.55% | 0.05% | -1.72% | -2.96% | -3.68% | -8.26% | -5.55% | -72.86% | -6,990 bps | |
| Net Interest Margin | 3.73% | 3.68% | 3.61% | 3.60% | 3.88% | 3.45% | 3.65% | 4.10% | +50 bps | |
| Efficiency Ratio | 103.92% | 95.80% | 103.87% | 101.55% | 105.80% | 114.19% | 110.83% | 159.15% | +5,760 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.31% | 12.62% | -3.63% | -10.03% | -6.37% | -7.18% | -8.84% | -23.15% | -1,312 bps | |
| Loan Growth (YoY) | -27.15% | -29.58% | -15.44% | -18.08% | -19.87% | -8.42% | -20.53% | -22.34% | -425 bps | |
| Share Growth (YoY) | 17.33% | 16.92% | -4.09% | -11.28% | -6.80% | -6.71% | -8.08% | -19.86% | -858 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.90% | 18.04% | 16.46% | 18.21% | 15.08% | 15.28% | 15.77% | 16.75% | -146 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 | 5.44% | 5.05% | 4.50% | 5.26% | 1.41% | 3.89% | 5.94% | 16.75% | +1,150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.53% | 17.74% | 17.74% | 17.85% | 18.19% | 17.37% | 17.72% | 14.15% | -370 bps | |
| Net Worth / Assets | 17.53% | 17.74% | 17.74% | 17.85% | 18.19% | 17.37% | 17.72% | 14.15% | -370 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.74% | 54.40% | 60.92% | 58.72% | 53.93% | 53.40% | 52.67% | 56.90% | -182 bps | |
| Liquid Assets / Assets | 49.29% | 55.71% | 50.11% | 51.98% | 54.18% | 54.84% | 56.07% | 56.65% | +467 bps | |