Sanford, ME · Charter 18501
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.
Sanford, ME · Charter 18501
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 | 3.18% | 0.43% | 0.37% | 0.69% | -0.21% | -339 bps | |
| Return on Equity | n/a | n/a | n/a | 3.96% | -1.06% | n/a | |
| Net Interest Margin | n/a | 4.32% | 4.06% | 4.75% | 5.18% | n/a | |
| Efficiency Ratio | n/a | 91.40% | 91.87% | 87.17% | 103.52% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.91% | -6.99% | 2.78% | 0.56% | -16.10% | -1,019 bps | |
| Loan Growth (YoY) | 15.85% | 11.63% | 23.36% | 13.41% | -22.08% | -3,793 bps | |
| Share Growth (YoY) | -8.26% | -9.52% | 1.55% | -0.58% | -19.90% | -1,164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.14% | 0.00% | 0.45% | 1.23% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 1.14% | 0.29% | 1.37% | 1.65% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 17.33% | 19.68% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 17.33% | 19.68% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.83% | 77.87% | 69.56% | 72.11% | 73.77% | -206 bps | |
| Liquid Assets / Assets | 19.28% | 8.60% | 10.35% | 37.96% | 35.05% | +1,577 bps | |