Greenville, SC · Charter 60727
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Greenville, SC · Charter 60727
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.87% | 5.28% | 5.04% | 4.45% | 4.74% | -13 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) | -8.72% | -8.60% | -4.09% | 3.47% | 19.87% | +2,859 bps | |
| Loan Growth (YoY) | -16.33% | -3.59% | 5.19% | 26.00% | 34.38% | +5,071 bps | |
| Share Growth (YoY) | -10.42% | -11.26% | -7.36% | 1.29% | 19.19% | +2,961 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.55% | 2.21% | 1.36% | 1.18% | 1.23% | -132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 1.96% | 1.40% | 1.34% | 1.20% | -61 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 | 83.13% | 86.33% | 88.63% | 84.01% | 93.73% | +1,060 bps | |
| Liquid Assets / Assets | 19.32% | 20.65% | 20.51% | 16.54% | 15.81% | -351 bps | |