Batesville, MS · Charter 11988
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.
Batesville, MS · Charter 11988
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 | 3.06% | -0.64% | 0.77% | 0.85% | 0.11% | -296 bps | |
| Return on Equity | n/a | n/a | n/a | 4.51% | 0.56% | n/a | |
| Net Interest Margin | n/a | 3.77% | 3.89% | 4.04% | 3.33% | n/a | |
| Efficiency Ratio | n/a | 91.39% | 80.46% | 79.19% | 96.88% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 12.84% | 11.25% | 7.54% | 5.68% | 4.52% | -832 bps | |
| Loan Growth (YoY) | -20.28% | -14.73% | -21.61% | -25.04% | -43.98% | -2,370 bps | |
| Share Growth (YoY) | 15.03% | 14.27% | 8.82% | 6.88% | 5.09% | -994 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.78% | 2.70% | 9.80% | 19.04% | 9.90% | +213 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 3.25% | 4.88% | 5.70% | 7.01% | +590 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 18.84% | 18.85% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 18.84% | 18.85% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.59% | 39.72% | 33.79% | 29.09% | 23.24% | -2,035 bps | |
| Liquid Assets / Assets | 58.06% | 58.97% | 65.09% | 76.90% | 81.35% | +2,329 bps | |