Napoleonville, LA · Charter 21542
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Napoleonville, LA · Charter 21542
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.16% | 3.33% | 5.25% | 5.26% | -1.80% | -496 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.30% | -2.47% | 0.58% | -5.60% | -9.47% | -718 bps | |
| Loan Growth (YoY) | -4.15% | 15.22% | 15.10% | -1.30% | 3.82% | +797 bps | |
| Share Growth (YoY) | -2.77% | -3.36% | -0.51% | -6.30% | -12.01% | -924 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.73% | 15.81% | 11.71% | 16.08% | 15.65% | +992 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.84% | 4.41% | 4.71% | 5.18% | 9.57% | +473 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 | 36.92% | 48.66% | 46.73% | 43.96% | 43.56% | +664 bps | |
| Liquid Assets / Assets | 58.46% | 54.25% | 51.01% | 57.71% | 60.86% | +240 bps | |