Sanford, ME · Charter 16775
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.
Sanford, ME · Charter 16775
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.74% | 4.47% | 4.75% | 3.57% | -3.91% | -865 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) | n/a | n/a | 40.80% | 28.02% | 16.82% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 26.80% | 27.75% | 4.57% | n/a | |
| Share Growth (YoY) | n/a | n/a | 40.17% | 28.64% | 21.96% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 2.83% | 2.74% | 2.02% | 1.54% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.99% | 1.66% | 1.69% | 4.67% | +356 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 | 91.32% | 92.87% | 81.83% | 92.37% | 78.30% | -1,302 bps | |
| Liquid Assets / Assets | 8.56% | 6.65% | 13.22% | 5.00% | 16.52% | +796 bps | |