PackageTrendsPeer
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Southern Frozen Foods Emp.

Montezuma, GA · Charter 61418

Q2 2001

$302KAssets
$0KLoans
$275KShares
$28KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.04%, down 443 bps year over year; NIM at 0.92%.
  • Capital: net worth / assets of 9.11%.
  • Funding: loans stand at 0.00% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.04%-443 bps YoY

Net Interest Margin (YTD, annualized)

0.92%

Efficiency Ratio (YTD, annualized)

97.50%

Net Worth / Assets

9.11%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets4.47%0.01%0.02%0.01%0.04%-443 bps
Return on Equityn/an/an/a0.16%0.41%n/a
Net Interest Marginn/a0.64%0.78%0.88%0.92%n/a
Efficiency Ration/a99.45%98.90%99.12%97.50%n/a
Growth
Asset Growth (YoY)-1.79%-11.27%-26.08%-18.06%-22.53%-2,074 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)-1.87%-12.12%-27.75%-19.45%-24.26%-2,239 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Capital
Risk-Based Capitaln/an/an/a8.58%9.11%n/a
Net Worth / Assetsn/an/an/a8.58%9.11%n/a
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets98.47%98.43%98.72%98.62%98.74%+28 bps