Cayce-West Col, SC · Charter 60804
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Cayce-West Col, SC · Charter 60804
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.30% | 5.19% | 2.50% | 2.60% | 2.81% | -150 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 12.74% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.30% | 3.78% | 4.00% | n/a | |
| Efficiency Ratio | n/a | n/a | 17.98% | 18.70% | 16.97% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 25.71% | 20.37% | 9.73% | -0.61% | -18.04% | -4,375 bps | |
| Loan Growth (YoY) | 6.27% | -1.01% | -7.54% | -14.41% | 11.33% | +506 bps | |
| Share Growth (YoY) | 25.75% | 19.78% | 7.38% | -5.06% | -26.27% | -5,202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.86% | 1.61% | 4.98% | 2.36% | 1.53% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.50% | 1.50% | 1.90% | 2.00% | +100 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 22.03% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 22.03% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.96% | 56.54% | 64.75% | 72.25% | 96.58% | +3,262 bps | |
| Liquid Assets / Assets | 42.80% | 49.77% | 44.29% | 21.43% | 23.98% | -1,883 bps | |