Augusta, GA · Charter 19088
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.
Augusta, GA · Charter 19088
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 | 4.15% | 0.69% | 0.55% | 0.75% | 0.17% | -398 bps | |
| Return on Equity | n/a | n/a | n/a | 5.67% | 1.45% | n/a | |
| Net Interest Margin | n/a | 3.94% | 3.73% | 3.91% | 3.29% | n/a | |
| Efficiency Ratio | n/a | 88.80% | 91.85% | 90.10% | 90.92% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.52% | 18.41% | 14.04% | 10.59% | 6.61% | -691 bps | |
| Loan Growth (YoY) | 23.92% | 18.48% | 2.88% | 1.41% | -2.27% | -2,619 bps | |
| Share Growth (YoY) | 12.78% | 18.93% | 14.35% | 10.42% | 6.56% | -622 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.88% | 0.51% | 1.61% | 1.89% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.69% | 2.40% | 1.96% | 1.60% | 1.82% | -87 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.24% | 12.02% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 13.24% | 12.02% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.29% | 63.96% | 61.51% | 66.92% | 55.29% | -500 bps | |
| Liquid Assets / Assets | 30.26% | 12.71% | 23.92% | 23.83% | 46.87% | +1,661 bps | |