Laurens, SC · Charter 19372
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.49% | -2.51% | -2.21% | -2.25% | -3.18% | -68 bps | |
| Return on Equity | -11.01% | -12.02% | -10.66% | -10.16% | -15.18% | -417 bps | |
| Net Interest Margin | 4.77% | 3.90% | 3.80% | 4.01% | 1.71% | -307 bps | |
| Efficiency Ratio | 129.06% | 124.82% | 128.79% | 131.23% | 216% | +8,664 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.31% | -3.64% | 0.43% | -11.64% | -5.26% | +5 bps | |
| Loan Growth (YoY) | -18.75% | -40.05% | -45.92% | -51.80% | -51.73% | -3,298 bps | |
| Share Growth (YoY) | -2.53% | 0.29% | 6.38% | -10.13% | -2.58% | -5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.54% | 2.84% | 5.66% | 6.14% | 1.19% | -735 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.28% | 3.64% | 4.94% | 5.40% | 2.75% | -153 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.64% | 20.90% | 20.74% | 22.17% | 20.93% | -171 bps | |
| Net Worth / Assets | 22.64% | 20.90% | 20.74% | 22.17% | 20.93% | -171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.71% | 63.85% | 58.75% | 50.30% | 42.47% | -4,324 bps | |
| Liquid Assets / Assets | 34.74% | 49.46% | 54.08% | 60.40% | 6.58% | -2,816 bps | |