Tupelo, MS · Charter 23655
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.
Tupelo, MS · Charter 23655
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 | 5.57% | 6.18% | 5.00% | 3.95% | 4.40% | -117 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) | 9.15% | 7.18% | 11.92% | 8.94% | 5.03% | -412 bps | |
| Loan Growth (YoY) | 44.02% | -19.18% | -34.92% | -40.38% | -35.60% | -7,962 bps | |
| Share Growth (YoY) | 3.06% | -3.20% | 5.59% | 1.22% | -3.55% | -661 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.41% | 10.17% | 12.43% | 10.12% | 8.64% | -77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.83% | 4.36% | 6.69% | 7.17% | 7.17% | +234 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 | 90.87% | 90.38% | 59.40% | 66.85% | 60.67% | -3,019 bps | |
| Liquid Assets / Assets | 29.01% | 31.20% | 51.53% | 55.90% | 54.67% | +2,566 bps | |