Axis, AL · Charter 60861
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Axis, AL · Charter 60861
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.57% | 0.50% | 0.25% | -0.08% | -7.67% | -1,125 bps | |
| Return on Equity | n/a | n/a | n/a | -0.65% | -90.86% | n/a | |
| Net Interest Margin | n/a | 5.15% | 4.72% | 4.71% | 5.15% | n/a | |
| Efficiency Ratio | n/a | 89.16% | 88.94% | 95.10% | 88.90% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.57% | -11.13% | -16.56% | -14.25% | -15.69% | -1,312 bps | |
| Loan Growth (YoY) | -14.52% | -20.28% | -16.11% | -6.98% | -11.12% | +340 bps | |
| Share Growth (YoY) | -3.84% | -13.86% | -22.75% | -16.50% | -20.16% | -1,632 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.42% | 0.48% | 0.84% | 2.14% | +133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 0.92% | 0.94% | 0.97% | 5.49% | +447 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.63% | 8.44% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.63% | 8.44% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.41% | 88.18% | 97.15% | 94.78% | 95.08% | +967 bps | |
| Liquid Assets / Assets | 18.74% | 14.57% | 10.75% | 10.18% | 12.04% | -670 bps | |