Ashtabula, OH · Charter 62601
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 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.
Ashtabula, OH · Charter 62601
Q2 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.27% | 3.00% | 2.09% | -1.43% | -1.94% | -422 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.68% | 3.18% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 119.03% | 144.58% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.06% | 4.17% | 10.28% | 8.00% | -21.17% | -2,424 bps | |
| Loan Growth (YoY) | -5.81% | -23.13% | -1.57% | 6.08% | -19.21% | -1,340 bps | |
| Share Growth (YoY) | 2.69% | 5.74% | 11.89% | 10.34% | -22.31% | -2,500 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.08% | 1.43% | 0.86% | 0.96% | 0.52% | -255 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.28% | 0.12% | 0.00% | 0.13% | -93 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.39% | 54.43% | 65.76% | 70.38% | 66.96% | +257 bps | |
| Liquid Assets / Assets | 35.01% | 45.90% | 34.58% | 30.58% | 34.22% | -79 bps | |