Cayce, SC · Charter 60835
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.
Cayce, SC · Charter 60835
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 | 4.23% | 4.74% | 4.28% | 4.45% | 4.69% | +46 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) | 7.97% | 8.65% | 1.85% | 5.83% | 7.87% | -10 bps | |
| Loan Growth (YoY) | -10.87% | -9.41% | 3.37% | 7.56% | 7.67% | +1,855 bps | |
| Share Growth (YoY) | 5.78% | 6.59% | -0.86% | 3.62% | 6.48% | +70 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.04% | 1.29% | 1.49% | 0.74% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.66% | 0.71% | 0.72% | 0.65% | -32 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 | 88.17% | 96.42% | 98.01% | 96.84% | 89.16% | +99 bps | |
| Liquid Assets / Assets | 27.72% | 20.98% | 17.99% | 19.28% | 25.07% | -266 bps | |