Mobile, AL · Charter 61371
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.
Mobile, AL · Charter 61371
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 | 3.71% | 3.98% | 0.26% | 0.22% | 0.31% | -339 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.91% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.38% | 3.72% | 3.88% | n/a | |
| Efficiency Ratio | n/a | n/a | 81.22% | 78.27% | 78.10% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 24.76% | 11.63% | 0.32% | -7.57% | -19.04% | -4,380 bps | |
| Loan Growth (YoY) | -0.09% | 0.76% | 6.78% | 11.19% | 12.85% | +1,293 bps | |
| Share Growth (YoY) | 36.93% | 22.30% | 4.41% | -2.20% | -20.82% | -5,774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 1.18% | 1.82% | 1.70% | 1.73% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.22% | 1.35% | 1.58% | 1.58% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.82% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.82% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.85% | 69.35% | 77.37% | 80.72% | 86.72% | +2,587 bps | |
| Liquid Assets / Assets | 21.56% | 14.91% | 12.54% | 9.38% | 14.26% | -730 bps | |