Beaumont, TX · Charter 4649
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Beaumont, TX · Charter 4649
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.92% | 0.92% | 0.86% | 0.54% | +31 bps | |
| Return on Equity | 1.69% | 6.88% | 6.82% | 6.34% | 4.79% | +310 bps | |
| Net Interest Margin | 3.57% | 3.40% | 3.41% | 3.36% | 2.87% | -70 bps | |
| Efficiency Ratio | 82.39% | 77.10% | 75.22% | 76.43% | 80.09% | -230 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.72% | 7.63% | 8.78% | 9.94% | 24.95% | +1,924 bps | |
| Loan Growth (YoY) | 9.73% | 7.87% | -0.14% | -2.84% | 1.32% | -842 bps | |
| Share Growth (YoY) | 6.47% | 8.83% | 9.67% | 11.26% | 28.09% | +2,162 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 0.68% | 0.58% | 1.20% | 0.62% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.81% | 0.86% | 0.84% | 0.82% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.46% | 13.35% | 13.53% | 13.63% | 11.31% | -215 bps | |
| Net Worth / Assets | 13.46% | 13.35% | 13.53% | 13.63% | 11.31% | -215 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.98% | 62.52% | 61.65% | 60.55% | 50.61% | -1,337 bps | |
| Liquid Assets / Assets | 16.03% | 11.56% | 14.16% | 18.10% | 35.91% | +1,988 bps | |