PackageTrendsPeer
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Rocky Creek

Chapman, AL · Charter 61702

Q4 2000

$3.0MAssets
$2.7MLoans
$2.4MShares
$407KNet 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 1.33%, down 407 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.63% of loans (-126 bps YoY).
  • Capital: net worth / assets of 13.74%.
  • Funding: loans stand at 113.99% of shares as of Q4 2000.

Financial Results

Return on Assets (quarter, annualized)

1.33%-407 bps YoY

Net Interest Margin (quarter, annualized)

4.07%

Efficiency Ratio (quarter, annualized)

67.51%

Net Worth / Assets

13.74%

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q4 2000YoY ΔTrend
Earnings
Return on Assets5.41%5.65%6.02%1.33%1.33%-407 bps
Return on Equityn/an/an/an/a9.71%n/an/a
Net Interest Marginn/an/an/a4.07%4.07%n/a
Efficiency Ration/an/an/a67.51%67.51%n/a
Growth
Asset Growth (YoY)19.61%18.54%21.45%12.75%7.26%-1,236 bps
Loan Growth (YoY)7.66%6.02%22.45%17.64%16.63%+897 bps
Share Growth (YoY)19.02%18.43%21.99%12.08%3.09%-1,592 bps
Asset Quality
Delinquent Loans / Loans2.89%3.73%2.45%1.63%1.63%-126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.69%2.06%1.84%1.91%1.91%+23 bps
Capital
Risk-Based Capitaln/an/an/an/a13.74%n/an/a
Net Worth / Assetsn/an/an/an/a13.74%n/an/a
Liquidity & Funding
Loans / Shares100.76%99.32%113.33%113.99%113.99%+1,323 bps
Liquid Assets / Assets3.60%2.12%2.13%0.00%0.00%-360 bps