Brownsville, TX · Charter 22602
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.
Brownsville, TX · Charter 22602
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 | 0.27% | 0.74% | 0.58% | 2.64% | 2.79% | +252 bps | |
| Return on Equity | n/a | n/a | 2.68% | 11.29% | 10.24% | n/a | |
| Net Interest Margin | 3.19% | 4.31% | 4.16% | 5.88% | 5.73% | +254 bps | |
| Efficiency Ratio | 89.92% | 74.94% | 71.44% | 51.36% | 49.25% | -4,066 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.22% | -1.34% | 14.48% | 1.58% | -4.77% | -1,298 bps | |
| Loan Growth (YoY) | -0.73% | 10.88% | 21.32% | 12.92% | -0.63% | +10 bps | |
| Share Growth (YoY) | 12.23% | 1.21% | 17.33% | -1.15% | -9.91% | -2,213 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.21% | 0.00% | 0.18% | 0.34% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 2.74% | 1.11% | 3.06% | 2.95% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 21.65% | 23.38% | 27.30% | n/a | |
| Net Worth / Assets | n/a | n/a | 21.65% | 23.38% | 27.30% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.91% | 36.96% | 39.31% | 33.65% | 40.71% | +380 bps | |
| Liquid Assets / Assets | 45.59% | 54.03% | 56.50% | 66.85% | 64.66% | +1,907 bps | |