Boutte, LA · Charter 14336
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Boutte, LA · Charter 14336
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.66% | 3.40% | 1.33% | -0.12% | -10.95% | -1,461 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 7.85% | 9.46% | 8.96% | n/a | |
| Efficiency Ratio | n/a | n/a | 77.06% | 69.69% | 111.27% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -16.11% | -13.64% | -18.92% | -17.02% | -19.86% | -375 bps | |
| Loan Growth (YoY) | -18.76% | -13.69% | -17.98% | -24.50% | -25.47% | -672 bps | |
| Share Growth (YoY) | -11.10% | -10.30% | -21.47% | -18.46% | -12.39% | -129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.08% | 2.56% | 5.49% | 13.33% | 25.02% | +1,894 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.35% | 6.60% | 6.48% | 8.57% | 18.24% | +1,189 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | -1.74% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | -1.74% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.29% | 92.10% | 93.22% | 87.19% | 87.87% | -1,542 bps | |
| Liquid Assets / Assets | 5.28% | 16.29% | 16.46% | 15.70% | 24.09% | +1,881 bps | |