Chillicothe, OH · Charter 19787
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Chillicothe, OH · Charter 19787
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.67% | 3.87% | 3.95% | 1.76% | 1.35% | -232 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 6.38% | 5.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 74.02% | 76.93% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.97% | 41.34% | 31.75% | 25.80% | 17.66% | +769 bps | |
| Loan Growth (YoY) | -2.08% | 31.21% | 40.41% | 33.12% | 15.84% | +1,793 bps | |
| Share Growth (YoY) | 9.94% | 47.68% | 34.84% | 23.88% | 17.25% | +731 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.08% | 0.00% | 6.15% | 4.73% | +433 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.68% | 2.11% | 2.13% | 2.15% | 2.48% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.63% | 91.00% | 79.62% | 93.77% | 74.72% | -90 bps | |
| Liquid Assets / Assets | 25.81% | 17.42% | 26.38% | 0.00% | 14.83% | -1,098 bps | |