Baytown, TX · Charter 67513
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 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.
Baytown, TX · Charter 67513
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 1.03% | 0.84% | 0.68% | -5.99% | -689 bps | |
| Return on Equity | 4.56% | 5.19% | 4.23% | 3.36% | -31.25% | -3,581 bps | |
| Net Interest Margin | 3.19% | 3.27% | 3.26% | 3.20% | -1.45% | -465 bps | |
| Efficiency Ratio | 73.05% | 69.91% | 72.64% | 75.83% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | -0.67% | 0.92% | 0.32% | -2.05% | -319 bps | |
| Loan Growth (YoY) | 5.88% | 7.03% | 9.76% | 8.97% | 5.20% | -68 bps | |
| Share Growth (YoY) | 0.54% | -2.03% | -0.08% | -0.56% | -0.83% | -137 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.42% | 1.18% | 0.72% | 0.31% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.36% | 0.52% | 0.43% | 0.63% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.78% | 19.94% | 19.82% | 20.11% | 19.16% | -62 bps | |
| Net Worth / Assets | 19.78% | 19.94% | 19.82% | 20.11% | 19.16% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.72% | 46.99% | 48.25% | 50.12% | 48.50% | +278 bps | |
| Liquid Assets / Assets | 29.82% | 36.00% | 38.45% | 40.26% | 38.42% | +860 bps | |