Brenham, TX · Charter 24573
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Brenham, TX · Charter 24573
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.66% | 1.89% | 1.51% | 1.72% | +37 bps | |
| Return on Equity | 29.28% | 32.88% | 34.93% | 26.90% | 25.40% | -388 bps | |
| Net Interest Margin | 3.41% | 3.68% | 3.76% | 3.38% | 4.10% | +68 bps | |
| Efficiency Ratio | 52.19% | 49.77% | 50.39% | 52.71% | 50.57% | -161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.39% | -16.21% | -17.04% | -8.20% | -5.88% | +1,151 bps | |
| Loan Growth (YoY) | 5.74% | -9.83% | -6.31% | 15.44% | -7.08% | -1,282 bps | |
| Share Growth (YoY) | -20.58% | -8.59% | -13.57% | -9.13% | -6.76% | +1,383 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.20% | 5.91% | 8.74% | 8.26% | 5.58% | -63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.95% | 5.56% | 5.34% | 3.54% | 4.32% | -162 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.61% | 5.05% | 5.41% | 5.62% | 6.77% | +216 bps | |
| Net Worth / Assets | 4.61% | 5.05% | 5.41% | 5.62% | 6.77% | +216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.57% | 77.72% | 80.04% | 80.24% | 81.29% | -28 bps | |
| Liquid Assets / Assets | 24.79% | 28.78% | 25.97% | 25.12% | 25.09% | +30 bps | |