York, AL · Charter 17684
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 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.
York, AL · Charter 17684
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.96% | -1.57% | -10.86% | -5.94% | -4.55% | -158 bps | |
| Return on Equity | -38.28% | -19.29% | -176.76% | -100.60% | -79.53% | -4,125 bps | |
| Net Interest Margin | 4.86% | 5.62% | 7.13% | 7.25% | 7.36% | +250 bps | |
| Efficiency Ratio | 159.18% | 126.86% | 251% | 181.19% | 159.57% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.41% | 2.43% | -9.76% | -7.34% | -11.10% | -969 bps | |
| Loan Growth (YoY) | 46.97% | 68.05% | 38.76% | -1.18% | -8.23% | -5,520 bps | |
| Share Growth (YoY) | 4.56% | 8.23% | -6.19% | -3.78% | -9.25% | -1,381 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.48% | 3.57% | 4.01% | 10.70% | 9.91% | +543 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.34% | 4.05% | 5.07% | 5.43% | 5.81% | +48 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.74% | 8.14% | 6.14% | 5.91% | 5.72% | -202 bps | |
| Net Worth / Assets | 7.74% | 8.14% | 6.14% | 5.91% | 5.72% | -202 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.90% | 65.12% | 55.99% | 52.30% | 50.46% | +56 bps | |
| Liquid Assets / Assets | 53.27% | 40.53% | 49.13% | 52.46% | 8.77% | -4,450 bps | |