Warren, PA · Charter 16031
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.
Warren, PA · Charter 16031
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 | 3.09% | 0.01% | -0.45% | -0.77% | 0.18% | -291 bps | |
| Return on Equity | n/a | n/a | n/a | -4.84% | 1.13% | n/a | |
| Net Interest Margin | n/a | 2.42% | 1.61% | 2.45% | 2.53% | n/a | |
| Efficiency Ratio | n/a | 88.60% | 122.42% | 87.69% | 94.25% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 16.71% | 23.47% | 22.66% | 14.45% | -1.18% | -1,789 bps | |
| Loan Growth (YoY) | -4.14% | -3.33% | -5.92% | -11.16% | -25.44% | -2,129 bps | |
| Share Growth (YoY) | 17.66% | 26.36% | 25.59% | 17.79% | -1.55% | -1,920 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 1.59% | 2.20% | 0.00% | 0.00% | -127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.38% | 1.53% | 0.32% | 0.00% | -132 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.96% | 16.03% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 15.96% | 16.03% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.02% | 44.80% | 36.51% | 39.18% | 34.86% | -1,117 bps | |
| Liquid Assets / Assets | 34.11% | 34.93% | 32.71% | 66.78% | 69.44% | +3,533 bps | |