PackageTrendsPeer
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Daymon

Miamisburg, OH · Charter 6199

Q2 2001

$99.6MAssets
$78.3MLoans
$86.3MShares
$12.0MNet 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 0.64%, down 9 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.59% of loans (+29 bps YoY).
  • Capital: net worth / assets of 12.01%.
  • Funding: loans stand at 90.75% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.64%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-31 bps YoY

Efficiency Ratio (YTD, annualized)

81.37%+185 bps YoY

Net Worth / Assets

12.01%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.73%0.75%0.81%0.82%0.64%-9 bps
Return on Equityn/an/a6.48%6.77%5.35%n/a
Net Interest Margin4.17%4.28%4.27%4.02%3.86%-31 bps
Efficiency Ratio79.52%79.58%78.39%77.99%81.37%+185 bps
Growth
Asset Growth (YoY)2.67%-0.40%2.11%3.35%6.20%+353 bps
Loan Growth (YoY)8.08%6.34%4.68%1.70%-1.85%-993 bps
Share Growth (YoY)1.62%-0.66%2.02%3.12%6.78%+516 bps
Asset Quality
Delinquent Loans / Loans0.30%0.30%0.38%0.44%0.59%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.52%0.55%0.60%0.63%+14 bps
Capital
Risk-Based Capitaln/an/a12.55%12.11%12.01%n/a
Net Worth / Assetsn/an/a12.55%12.11%12.01%n/a
Liquidity & Funding
Loans / Shares98.73%101.61%100.88%93.24%90.75%-798 bps
Liquid Assets / Assets5.50%3.97%4.58%11.94%13.83%+833 bps