Columbia, SC · Charter 60811
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Columbia, SC · Charter 60811
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.92% | 2.75% | 3.01% | 3.18% | 1.63% | -28 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) | 5.10% | -0.97% | -1.50% | -2.63% | -21.49% | -2,659 bps | |
| Loan Growth (YoY) | -27.09% | -11.74% | -18.71% | -15.77% | -15.65% | +1,145 bps | |
| Share Growth (YoY) | 5.39% | -2.06% | -3.04% | -4.08% | -25.24% | -3,063 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.26% | 2.30% | 1.83% | 3.41% | 2.37% | -189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 1.08% | 1.19% | 1.22% | 1.36% | +33 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 | 68.91% | 86.46% | 75.41% | 79.63% | 77.75% | +884 bps | |
| Liquid Assets / Assets | 37.28% | 22.65% | 32.39% | 29.09% | 32.26% | -502 bps | |