Senatobia, MS · Charter 22805
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Senatobia, MS · Charter 22805
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.07% | 0.95% | 1.78% | 0.15% | -109 bps | |
| Return on Equity | 7.10% | 6.31% | 5.28% | 9.29% | 0.73% | -636 bps | |
| Net Interest Margin | 2.02% | 1.85% | 1.90% | 2.62% | 0.46% | -156 bps | |
| Efficiency Ratio | 39.29% | 42.51% | 47.90% | 32.23% | 68.10% | +2,881 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.45% | 4.24% | 1.74% | -5.30% | -8.69% | -1,313 bps | |
| Loan Growth (YoY) | -19.76% | -9.90% | -23.51% | -18.04% | -12.55% | +721 bps | |
| Share Growth (YoY) | 4.25% | 3.91% | 1.08% | -7.52% | -11.54% | -1,579 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.06% | 0.06% | 0.05% | 0.06% | 0.05% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.41% | 16.99% | 18.00% | 19.21% | 20.08% | +266 bps | |
| Net Worth / Assets | 17.41% | 16.99% | 18.00% | 19.21% | 20.08% | +266 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.36% | 19.93% | 20.04% | 17.92% | 20.13% | -23 bps | |
| Liquid Assets / Assets | 81.91% | 82.20% | 78.72% | 84.05% | 82.82% | +91 bps | |