Mobile, AL · Charter 11498
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.01% | -0.04% | 0.04% | 0.45% | -17.94% | -1,793 bps | |
| Return on Equity | -0.06% | -0.33% | 0.36% | 3.30% | -506% | -50,579 bps | |
| Net Interest Margin | 3.71% | 3.61% | 3.30% | 3.42% | 1.36% | -235 bps | |
| Efficiency Ratio | 94.22% | 95.69% | 95.21% | 89.33% | 775% | +68,041 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.41% | 9.17% | 7.51% | 5.41% | 7.97% | +56 bps | |
| Loan Growth (YoY) | -11.17% | -11.16% | -11.82% | -18.50% | -20.29% | -912 bps | |
| Share Growth (YoY) | 7.74% | 10.19% | 8.69% | 6.20% | 19.06% | +1,132 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.73% | 1.15% | 0.74% | 1.06% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.41% | 0.41% | 0.48% | 0.42% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.46% | 13.29% | 12.54% | 13.51% | 3.55% | -992 bps | |
| Net Worth / Assets | 13.46% | 13.29% | 12.54% | 13.51% | 3.55% | -992 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.56% | 56.95% | 55.06% | 50.62% | 39.87% | -1,969 bps | |
| Liquid Assets / Assets | 33.16% | 35.48% | 30.82% | 28.36% | 57.99% | +2,483 bps | |