Great Falls, SC · Charter 15889
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Great Falls, SC · Charter 15889
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.22% | -0.14% | -0.26% | -4.42% | -390 bps | |
| Return on Equity | -3.01% | -1.23% | -0.77% | -1.43% | -31.69% | -2,869 bps | |
| Net Interest Margin | 2.70% | 2.82% | 2.88% | 2.81% | -1.45% | -416 bps | |
| Efficiency Ratio | 108.87% | 107.43% | 104.60% | 108.87% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.98% | -1.39% | -4.71% | -7.38% | -6.25% | -723 bps | |
| Loan Growth (YoY) | -21.66% | -17.15% | -14.54% | -16.49% | -17.43% | +423 bps | |
| Share Growth (YoY) | 2.14% | -0.81% | -5.27% | -8.22% | -2.49% | -463 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 0.27% | 0.34% | 0.20% | 4.71% | +348 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.90% | 1.97% | 1.90% | 0.92% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.23% | 17.77% | 18.01% | 18.29% | 13.95% | -327 bps | |
| Net Worth / Assets | 17.23% | 17.77% | 18.01% | 18.29% | 13.95% | -327 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.51% | 37.42% | 37.68% | 35.35% | 31.77% | -575 bps | |
| Liquid Assets / Assets | 60.53% | 60.47% | 67.06% | 68.95% | 70.50% | +996 bps | |