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
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.48% | 2.27% | 1.07% | 1.35% | 1.66% | 1.89% | 1.51% | 1.72% | +37 bps | |
| Return on Equity | 124.94% | 78.96% | 29.20% | 29.28% | 32.88% | 34.93% | 26.90% | 25.40% | -388 bps | |
| Net Interest Margin | 3.90% | 3.67% | 2.85% | 3.41% | 3.68% | 3.76% | 3.38% | 4.10% | +68 bps | |
| Efficiency Ratio | 42.85% | 39.67% | 49.35% | 52.19% | 49.77% | 50.39% | 52.71% | 50.57% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.03% | 7.93% | -5.01% | -17.39% | -16.21% | -17.04% | -8.20% | -5.88% | +1,151 bps | |
| Loan Growth (YoY) | 51.62% | 64.42% | 60.81% | 5.74% | -9.83% | -6.31% | 15.44% | -7.08% | -1,282 bps | |
| Share Growth (YoY) | -21.26% | -1.89% | -8.46% | -20.58% | -8.59% | -13.57% | -9.13% | -6.76% | +1,383 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.52% | 4.76% | 6.41% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.75% | 5.03% | 6.57% | 5.95% | 5.56% | 5.34% | 3.54% | 4.32% | -162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 1.98% | 2.88% | 3.66% | 4.61% | 5.05% | 5.41% | 5.62% | 6.77% | +216 bps | |
| Net Worth / Assets | 1.98% | 2.88% | 3.66% | 4.61% | 5.05% | 5.41% | 5.62% | 6.77% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.79% | 73.84% | 63.16% | 81.57% | 77.72% | 80.04% | 80.24% | 81.29% | -28 bps | |
| Liquid Assets / Assets | 33.78% | 35.78% | 42.39% | 24.79% | 28.78% | 25.97% | 25.12% | 25.09% | +30 bps | |