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Texas Gas Employees

Owensboro, KY · Charter 62584

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Texas Gas Employees

Owensboro, KY · Charter 62584

Q3 2002

$7.3MAssets
$3.1MLoans
$6.5MShares
$709KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 61 bps year over year; NIM at 0.37%.
  • Asset quality: problem loans at 1.69% of loans (+59 bps YoY).
  • Capital: net worth / assets of 9.78%, down 115 bps from a year ago.
  • Funding: loans stand at 47.36% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

0.01%-61 bps YoY

Net Interest Margin (YTD, annualized)

0.37%-179 bps YoY

Efficiency Ratio (YTD, annualized)

97.66%+7,743 bps YoY

Net Worth / Assets

9.78%-115 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets5.91%0.51%0.81%0.62%0.02%0.01%0.01%0.01%-61 bps
Return on Equityn/an/an/a5.67%0.17%0.12%0.13%0.09%-559 bps
Net Interest Marginn/a2.48%1.83%2.16%1.04%0.77%0.37%0.37%-179 bps
Efficiency Ration/a34.30%24.33%20.23%63.66%72.06%96.64%97.66%+7,743 bps
Growth
Asset Growth (YoY)1.50%-1.75%-4.04%-1.86%-2.04%6.07%8.10%12.01%+1,386 bps
Loan Growth (YoY)-10.09%-3.68%-2.54%-9.28%-2.12%-1.22%-6.30%-10.75%-147 bps
Share Growth (YoY)2.46%-1.43%-4.11%-1.72%-3.25%6.22%8.64%13.17%+1,489 bps
Asset Quality
Delinquent Loans / Loans1.49%0.59%1.13%1.10%1.20%1.01%0.50%1.69%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.97%2.45%3.32%4.33%4.75%4.82%5.09%5.40%+107 bps
Capital
Risk-Based Capitaln/an/an/a10.94%10.22%10.26%9.43%9.78%-115 bps
Net Worth / Assetsn/an/an/a10.94%10.22%10.26%9.43%9.78%-115 bps
Liquidity & Funding
Loans / Shares54.56%60.53%55.93%60.05%55.20%56.29%48.24%47.36%-1,269 bps
Liquid Assets / Assets40.76%24.36%14.56%14.31%20.66%18.34%27.63%27.55%+1,324 bps