Eupora, MS · Charter 10067
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Eupora, MS · Charter 10067
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.61% | 0.03% | 0.78% | 0.30% | 0.13% | -448 bps | |
| Return on Equity | n/a | n/a | n/a | 0.88% | 0.38% | n/a | |
| Net Interest Margin | n/a | 3.81% | 3.67% | 3.77% | 3.87% | n/a | |
| Efficiency Ratio | n/a | 72.01% | 79.72% | 87.80% | 96.81% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -14.87% | -8.06% | -10.01% | -9.71% | -2.82% | +1,205 bps | |
| Loan Growth (YoY) | -12.18% | 15.83% | 34.13% | 2.31% | 0.87% | +1,305 bps | |
| Share Growth (YoY) | -21.77% | -12.48% | -15.69% | -13.74% | -5.16% | +1,661 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.61% | 7.04% | 12.75% | 4.91% | 16.86% | +725 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 3.28% | 3.25% | 3.16% | 4.10% | +303 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 33.68% | 33.61% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 33.68% | 33.61% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.20% | 77.11% | 86.08% | 78.89% | 71.48% | +428 bps | |
| Liquid Assets / Assets | 55.90% | 48.02% | 42.65% | 50.17% | 54.05% | -185 bps | |