Tuscumbia, AL · Charter 60317
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Tuscumbia, AL · Charter 60317
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | -2.95% | 3.40% | 3.12% | 1.70% | +136 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) | n/a | n/a | -44.83% | -44.56% | -11.78% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -41.37% | -30.72% | -7.58% | n/a | |
| Share Growth (YoY) | n/a | n/a | -56.50% | -56.40% | -14.50% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.38% | 3.37% | 1.49% | 0.41% | 0.03% | -1,235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.52% | 1.67% | 1.23% | 1.51% | -47 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 | 127.93% | 168.04% | 141.13% | 165.15% | 138.29% | +1,036 bps | |
| Liquid Assets / Assets | 0.00% | 10.59% | 0.00% | 0.00% | 9.53% | +953 bps | |