Port Neches, TX · Charter 67457
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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 Neches, TX · Charter 67457
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 1.15% | 0.54% | 0.03% | -0.84% | -3.51% | -1.32% | -1.99% | -202 bps | |
| Return on Equity | 2.91% | 8.52% | 4.18% | 0.19% | -6.08% | -25.96% | -9.15% | -14.94% | -1,512 bps | |
| Net Interest Margin | 3.49% | 4.09% | 4.11% | 4.39% | 4.37% | 4.54% | 4.46% | 4.20% | -18 bps | |
| Efficiency Ratio | 76.94% | 72.94% | 76.00% | 83.10% | 81.98% | 64.35% | 68.41% | 85.50% | +241 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.07% | -15.38% | -6.29% | -3.45% | -3.87% | -6.77% | -14.38% | -14.15% | -1,070 bps | |
| Loan Growth (YoY) | -7.34% | -5.25% | -2.96% | 1.75% | 4.06% | -3.20% | -6.98% | -12.01% | -1,376 bps | |
| Share Growth (YoY) | -11.10% | -18.04% | -7.96% | -4.11% | -4.22% | -6.46% | -15.83% | -13.85% | -973 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.88% | 1.48% | 2.05% | 4.24% | 3.61% | 4.34% | 6.56% | +451 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 | 0.90% | 0.87% | 1.29% | 1.41% | 3.10% | 3.74% | 3.65% | 1.70% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.14% | 13.47% | 12.97% | 13.52% | 13.87% | 13.53% | 14.45% | 13.33% | -19 bps | |
| Net Worth / Assets | 13.14% | 13.47% | 12.97% | 13.52% | 13.87% | 13.53% | 14.45% | 13.33% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.52% | 74.01% | 71.59% | 77.83% | 78.79% | 76.59% | 79.12% | 79.48% | +166 bps | |
| Liquid Assets / Assets | 30.76% | 29.07% | 30.45% | 16.70% | 15.12% | 19.25% | 25.92% | 24.91% | +821 bps | |