Tupelo, MS · Charter 60659
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 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.
Tupelo, MS · Charter 60659
Q3 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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 2.30% | 2.21% | 2.14% | 2.09% | +53 bps | |
| Return on Equity | 8.01% | 10.48% | 10.53% | 10.40% | 9.82% | +181 bps | |
| Net Interest Margin | 4.86% | 5.67% | 4.78% | 4.64% | 4.63% | -23 bps | |
| Efficiency Ratio | 56.06% | 56.07% | 55.12% | 56.22% | 57.29% | +123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.40% | -0.40% | 1.13% | 14.92% | 5.63% | +523 bps | |
| Loan Growth (YoY) | -7.74% | -16.24% | -32.90% | -24.97% | -14.34% | -660 bps | |
| Share Growth (YoY) | -3.02% | -4.23% | -0.90% | 15.95% | 4.34% | +735 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 0.90% | 1.55% | 2.13% | 0.52% | -121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.73% | 0.90% | 0.25% | 0.27% | -34 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.40% | 21.93% | 20.99% | 20.62% | 21.26% | +186 bps | |
| Net Worth / Assets | 19.40% | 21.93% | 20.99% | 20.62% | 21.26% | +186 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.19% | 85.50% | 69.42% | 69.69% | 67.47% | -1,472 bps | |
| Liquid Assets / Assets | 33.97% | 33.28% | 44.46% | 37.69% | 46.18% | +1,220 bps | |