Greenville, NC · Charter 63136
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Greenville, NC · Charter 63136
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.67% | 0.45% | 0.53% | 0.24% | 0.21% | +388 bps | |
| Return on Equity | -39.43% | 5.27% | 5.36% | 2.47% | 2.28% | +4,171 bps | |
| Net Interest Margin | 5.30% | 3.94% | 4.94% | 5.41% | 5.12% | -18 bps | |
| Efficiency Ratio | 126.71% | 106.72% | 96.30% | 81.03% | 96.11% | -3,060 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -29.29% | -13.34% | 17.82% | 15.50% | 7.93% | +3,722 bps | |
| Loan Growth (YoY) | -9.53% | 6.38% | 7.90% | 5.03% | -16.05% | -652 bps | |
| Share Growth (YoY) | -35.72% | -9.00% | 33.89% | 28.02% | 22.69% | +5,841 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.64% | 4.83% | 9.67% | 13.61% | 11.22% | +659 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.16% | 2.32% | 2.21% | 2.80% | 3.35% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.31% | 8.55% | 9.85% | 9.82% | 9.12% | -18 bps | |
| Net Worth / Assets | 9.31% | 8.55% | 9.85% | 9.82% | 9.12% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 121.40% | 95.41% | 98.05% | 95.90% | 83.07% | -3,833 bps | |
| Liquid Assets / Assets | 2.22% | 2.74% | 11.92% | 12.22% | 3.99% | +177 bps | |