Conyers, GA · Charter 20102
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Conyers, GA · Charter 20102
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.21% | 7.73% | -7.52% | -6.53% | -15.40% | -1,860 bps | |
| Return on Equity | n/a | 47.44% | -56.42% | -53.37% | -173.03% | n/a | |
| Net Interest Margin | 6.79% | 11.00% | 8.91% | 7.65% | 4.68% | -210 bps | |
| Efficiency Ratio | 52.78% | 29.69% | 37.93% | 41.10% | 66.28% | +1,349 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.97% | 6.78% | 36.20% | 16.04% | 2.93% | -504 bps | |
| Loan Growth (YoY) | 6.45% | 26.26% | 55.00% | 14.85% | -4.93% | -1,137 bps | |
| Share Growth (YoY) | 9.79% | 3.09% | 39.93% | 17.16% | 8.09% | -170 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.73% | 6.44% | 7.01% | 12.24% | 9.87% | +413 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.25% | 2.71% | 8.07% | 10.49% | 5.13% | +188 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 16.30% | 13.33% | 12.24% | 8.90% | n/a | |
| Net Worth / Assets | n/a | 16.30% | 13.33% | 12.24% | 8.90% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.63% | 84.71% | 79.68% | 79.86% | 57.73% | -790 bps | |
| Liquid Assets / Assets | 26.18% | 27.21% | 36.94% | 40.17% | 50.75% | +2,458 bps | |