Port Arthur, TX · Charter 456
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Port Arthur, TX · Charter 456
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.90% | 0.87% | 0.75% | 0.88% | -2 bps | |
| Return on Equity | 8.28% | 8.05% | 7.97% | 6.73% | 7.68% | -61 bps | |
| Net Interest Margin | 3.59% | 3.70% | 3.86% | 3.98% | 4.07% | +48 bps | |
| Efficiency Ratio | 81.06% | 80.71% | 80.44% | 80.77% | 79.26% | -180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.66% | 4.78% | 5.13% | 3.92% | 2.90% | -376 bps | |
| Loan Growth (YoY) | 13.02% | 14.23% | 15.97% | 13.41% | 12.74% | -29 bps | |
| Share Growth (YoY) | 6.70% | 4.56% | 4.83% | 3.66% | 2.90% | -380 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.58% | 0.51% | 0.69% | 0.70% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.58% | 0.60% | 0.58% | 0.61% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.88% | 11.17% | 10.94% | 11.09% | 11.45% | +56 bps | |
| Net Worth / Assets | 10.88% | 11.17% | 10.94% | 11.09% | 11.45% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.81% | 76.52% | 75.40% | 77.37% | 79.78% | +696 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |