PackageTrendsPeer
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Metro One

Augusta, GA · Charter 19088

Q2 2001

$11.9MAssets
$5.7MLoans
$10.3MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.17%, down 398 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.89% of loans (+60 bps YoY).
  • Capital: net worth / assets of 12.02%.
  • Funding: loans stand at 55.29% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.17%-398 bps YoY

Net Interest Margin (YTD, annualized)

3.29%

Efficiency Ratio (YTD, annualized)

90.92%

Net Worth / Assets

12.02%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.15%0.69%0.55%0.75%0.17%-398 bps
Return on Equityn/an/an/a5.67%1.45%n/a
Net Interest Marginn/a3.94%3.73%3.91%3.29%n/a
Efficiency Ration/a88.80%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 / Loans1.29%1.88%0.51%1.61%1.89%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.69%2.40%1.96%1.60%1.82%-87 bps
Capital
Risk-Based Capitaln/an/an/a13.24%12.02%n/a
Net Worth / Assetsn/an/an/a13.24%12.02%n/a
Liquidity & Funding
Loans / Shares60.29%63.96%61.51%66.92%55.29%-500 bps
Liquid Assets / Assets30.26%12.71%23.92%23.83%46.87%+1,661 bps