Montgomery, AL · Charter 60523
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.57% | 0.35% | 0.10% | 0.19% | -32 bps | |
| Return on Equity | 4.85% | 5.16% | 2.96% | 0.91% | 1.89% | -296 bps | |
| Net Interest Margin | 2.91% | 3.11% | 3.08% | 3.14% | 2.98% | +7 bps | |
| Efficiency Ratio | 84.92% | 81.13% | 86.74% | 92.08% | 89.38% | +446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 33.47% | 36.91% | 0.76% | -6.84% | -1.94% | -3,541 bps | |
| Loan Growth (YoY) | 1.04% | -5.60% | -0.48% | -6.36% | -9.68% | -1,072 bps | |
| Share Growth (YoY) | 36.15% | 40.93% | 0.20% | -8.12% | -1.51% | -3,766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.81% | 1.92% | 2.54% | 4.37% | 3.06% | +126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.16% | 1.29% | 1.19% | 0.29% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.57% | 10.99% | 11.68% | 11.57% | 10.22% | -35 bps | |
| Net Worth / Assets | 10.57% | 10.99% | 11.68% | 11.57% | 10.22% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.85% | 66.19% | 72.09% | 68.68% | 64.06% | -580 bps | |
| Liquid Assets / Assets | 22.71% | 25.75% | 32.64% | 23.65% | 28.91% | +620 bps | |