Waycross, GA · Charter 22145
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.
Waycross, GA · Charter 22145
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 | -1.08% | 1.78% | 1.95% | 1.57% | -36.54% | -3,546 bps | |
| Return on Equity | n/a | n/a | n/a | 4.90% | -36.60% | n/a | |
| Net Interest Margin | n/a | 14.03% | 8.52% | 12.92% | 8.61% | n/a | |
| Efficiency Ratio | n/a | 48.52% | 65.58% | 73.86% | 221% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -15.44% | -20.50% | -17.13% | -46.63% | -69.35% | -5,391 bps | |
| Loan Growth (YoY) | -8.56% | -26.16% | -31.92% | -45.01% | -100.00% | -9,144 bps | |
| Share Growth (YoY) | -21.64% | -29.47% | -25.81% | -60.18% | -86.29% | -6,465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.13% | 2.15% | 0.14% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.17% | 9.18% | 8.67% | 11.72% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 32.08% | 99.84% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 32.08% | 99.84% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.61% | 94.80% | 70.27% | 114.14% | 0.00% | -9,961 bps | |
| Liquid Assets / Assets | 18.89% | 21.11% | 34.39% | 35.76% | 98.02% | +7,913 bps | |