Decatur, AL · Charter 22498
Q1 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 1.19% | 1.25% | 1.20% | 1.30% | +50 bps | |
| Return on Equity | 6.66% | 9.67% | 9.84% | 9.27% | 10.25% | +360 bps | |
| Net Interest Margin | 3.17% | 3.32% | 3.35% | 3.36% | 3.12% | -5 bps | |
| Efficiency Ratio | 66.51% | 62.26% | 60.35% | 62.69% | 61.06% | -546 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.71% | 11.01% | 13.66% | 7.52% | 6.94% | -177 bps | |
| Loan Growth (YoY) | 1.29% | 4.11% | 6.00% | 6.88% | 0.75% | -54 bps | |
| Share Growth (YoY) | 8.41% | 10.42% | 13.03% | 6.49% | 6.05% | -236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.90% | 1.42% | 1.11% | 1.52% | 1.44% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 0.84% | 0.89% | 0.84% | 0.80% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.03% | 12.34% | 12.75% | 12.90% | 12.73% | +70 bps | |
| Net Worth / Assets | 12.03% | 12.34% | 12.75% | 12.90% | 12.73% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.23% | 63.16% | 64.06% | 63.93% | 59.12% | -311 bps | |
| Liquid Assets / Assets | 39.21% | 39.27% | 24.00% | 25.10% | 29.41% | -980 bps | |