Bellaire, TX · Charter 67633
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Bellaire, TX · Charter 67633
Q2 2002
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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.81% | 0.73% | 0.55% | -12.14% | -1,314 bps | |
| Return on Equity | n/a | 6.04% | 5.86% | 4.55% | -198.81% | n/a | |
| Net Interest Margin | 5.07% | 5.37% | 4.73% | 4.17% | 2.54% | -253 bps | |
| Efficiency Ratio | 73.69% | 73.94% | 77.94% | 81.56% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.65% | -2.22% | 2.88% | 11.48% | 10.50% | +685 bps | |
| Loan Growth (YoY) | -8.87% | -8.05% | -16.36% | -14.75% | -23.35% | -1,448 bps | |
| Share Growth (YoY) | 2.23% | -5.09% | 1.03% | 12.21% | 18.50% | +1,626 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.00% | 0.44% | 0.61% | 0.54% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.73% | 1.62% | 1.59% | 1.46% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 13.40% | 12.37% | 12.11% | 6.11% | n/a | |
| Net Worth / Assets | n/a | 13.40% | 12.37% | 12.11% | 6.11% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.63% | 77.87% | 66.01% | 58.96% | 49.56% | -2,706 bps | |
| Liquid Assets / Assets | 29.89% | 30.58% | 40.50% | 45.97% | 43.17% | +1,327 bps | |