Shreveport, LA · Charter 60347
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Shreveport, LA · Charter 60347
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | -0.20% | 0.86% | 0.27% | -1.76% | -242 bps | |
| Return on Equity | n/a | -1.07% | 4.75% | 1.53% | -11.42% | n/a | |
| Net Interest Margin | 4.28% | 4.83% | 4.53% | 3.58% | 3.20% | -108 bps | |
| Efficiency Ratio | 80.44% | 76.91% | 77.16% | 75.66% | 107.85% | +2,741 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.75% | -6.43% | -5.73% | -2.95% | -2.75% | -450 bps | |
| Loan Growth (YoY) | -8.14% | -5.42% | -6.44% | -7.28% | -18.36% | -1,022 bps | |
| Share Growth (YoY) | 0.31% | -8.17% | -7.00% | -3.88% | -1.30% | -161 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.88% | 4.82% | 6.01% | 7.39% | 1.33% | -256 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 2.71% | 2.58% | 3.71% | 4.39% | +304 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 18.42% | 18.07% | 17.48% | 15.42% | n/a | |
| Net Worth / Assets | n/a | 18.42% | 18.07% | 17.48% | 15.42% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.34% | 85.43% | 79.55% | 75.74% | 63.97% | -1,337 bps | |
| Liquid Assets / Assets | 22.52% | 24.55% | 28.69% | 32.23% | 40.02% | +1,750 bps | |