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P C T & E

Batesville, MS · Charter 11988

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

P C T & E

Batesville, MS · Charter 11988

Q2 2001

$431KAssets
$80KLoans
$343KShares
$81KNet Worth

Executive Summary

  • Earnings: ROA of 0.11%, down 296 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 9.90% of loans (+213 bps YoY).
  • Capital: net worth / assets of 18.85%.
  • Funding: loans stand at 23.24% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.11%-296 bps YoY

Net Interest Margin (YTD, annualized)

3.33%

Efficiency Ratio (YTD, annualized)

96.88%

Net Worth / Assets

18.85%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.94%3.70%4.09%3.06%-0.64%0.77%0.85%0.11%-296 bps
Return on Equityn/an/an/an/an/an/a4.51%0.56%n/a
Net Interest Marginn/an/an/an/a3.77%3.89%4.04%3.33%n/a
Efficiency Ration/an/an/an/a91.39%80.46%79.19%96.88%n/a
Growth
Asset Growth (YoY)12.96%14.54%13.63%12.84%11.25%7.54%5.68%4.52%-832 bps
Loan Growth (YoY)-0.89%-10.79%-23.20%-20.28%-14.73%-21.61%-25.04%-43.98%-2,370 bps
Share Growth (YoY)10.25%15.24%15.04%15.03%14.27%8.82%6.88%5.09%-994 bps
Asset Quality
Delinquent Loans / Loans1.11%0.67%0.76%7.78%2.70%9.80%19.04%9.90%+213 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%1.08%1.21%1.11%3.25%4.88%5.70%7.01%+590 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a18.84%18.85%n/a
Net Worth / Assetsn/an/an/an/an/an/a18.84%18.85%n/a
Liquidity & Funding
Loans / Shares53.22%46.90%41.47%43.59%39.72%33.79%29.09%23.24%-2,035 bps
Liquid Assets / Assets45.75%51.65%57.57%58.06%58.97%65.09%76.90%81.35%+2,329 bps