Rosenberg, TX · Charter 22009
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Rosenberg, TX · Charter 22009
Q2 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.09% | 0.51% | 0.68% | 0.78% | 0.77% | -231 bps | |
| Return on Equity | n/a | n/a | n/a | 3.75% | 3.79% | n/a | |
| Net Interest Margin | n/a | 4.11% | 4.49% | 5.91% | 5.52% | n/a | |
| Efficiency Ratio | n/a | 84.99% | 82.42% | 76.19% | 79.82% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.81% | -4.07% | -11.70% | -19.83% | -19.10% | -2,691 bps | |
| Loan Growth (YoY) | -22.75% | -13.99% | -18.23% | -3.77% | -21.44% | +131 bps | |
| Share Growth (YoY) | 7.29% | -6.22% | -15.33% | -24.28% | -23.24% | -3,054 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.04% | 2.55% | 0.86% | 3.16% | +300 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.20% | 0.30% | 0.70% | 0.78% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 20.76% | 20.33% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 20.76% | 20.33% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.96% | 83.60% | 85.21% | 95.82% | 79.79% | +183 bps | |
| Liquid Assets / Assets | 28.77% | 24.73% | 26.07% | 23.11% | 35.37% | +660 bps | |