Cedar Springs, GA · Charter 16392
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Cedar Springs, GA · Charter 16392
Q2 1997
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 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.44% | n/a | 4.86% | 4.76% | 4.68% | +24 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 | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 6.97% | 8.46% | 9.25% | 10.22% | 10.37% | +341 bps | |
| Loan Growth (YoY) | 8.35% | 9.18% | 11.71% | 7.85% | 2.51% | -584 bps | |
| Share Growth (YoY) | 6.56% | 8.18% | 9.37% | 10.57% | 10.14% | +357 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 1.19% | 1.04% | 1.31% | 1.53% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.18% | 1.11% | 1.21% | 1.31% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.11% | 97.04% | 98.76% | 92.21% | 92.25% | -686 bps | |
| Liquid Assets / Assets | 2.88% | 4.34% | 3.18% | 8.91% | 7.28% | +441 bps | |