Mountaintop, PA · Charter 20678
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.
Mountaintop, PA · Charter 20678
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 | 2.32% | 0.33% | -0.36% | -0.17% | -23.82% | -2,614 bps | |
| Return on Equity | n/a | n/a | n/a | -0.79% | -243% | n/a | |
| Net Interest Margin | n/a | 5.00% | 4.36% | 5.09% | -10.42% | n/a | |
| Efficiency Ratio | n/a | 93.38% | 108.21% | 103.25% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.30% | -16.43% | -10.94% | -17.46% | -17.79% | -1,249 bps | |
| Loan Growth (YoY) | -17.11% | -23.37% | -9.52% | 2.16% | -0.40% | +1,671 bps | |
| Share Growth (YoY) | -7.86% | -20.40% | -13.79% | -21.51% | -15.46% | -759 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.16% | 0.34% | 0.16% | 2.85% | +274 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.92% | 1.80% | 1.62% | 6.83% | +486 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 21.02% | 9.81% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 21.02% | 9.81% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.66% | 47.10% | 47.24% | 52.21% | 46.72% | +706 bps | |
| Liquid Assets / Assets | 6.46% | 30.96% | 25.96% | 37.29% | 25.30% | +1,884 bps | |