Mobile, AL · Charter 63197
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Mobile, AL · Charter 63197
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.46% | -2.11% | -2.47% | 0.65% | -4.43% | -297 bps | |
| Return on Equity | -21.52% | -31.54% | -40.60% | 10.02% | -91.05% | -6,954 bps | |
| Net Interest Margin | 5.20% | 6.51% | 6.43% | 5.25% | 5.90% | +70 bps | |
| Efficiency Ratio | 81.59% | 80.14% | 79.13% | 95.26% | 91.71% | +1,011 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.46% | -21.82% | -31.65% | -26.93% | -24.49% | -903 bps | |
| Loan Growth (YoY) | -28.04% | -32.82% | -22.34% | -20.57% | -11.65% | +1,640 bps | |
| Share Growth (YoY) | -12.54% | -18.76% | -31.99% | -27.37% | -23.54% | -1,100 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.57% | 8.73% | 10.65% | 10.27% | 5.57% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 2.27% | 3.63% | 2.77% | 3.07% | +100 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.78% | 6.68% | 6.09% | 6.52% | 4.86% | -192 bps | |
| Net Worth / Assets | 6.78% | 6.68% | 6.09% | 6.52% | 4.86% | -192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.72% | 81.90% | 83.19% | 85.96% | 90.97% | +1,225 bps | |
| Liquid Assets / Assets | 18.92% | 17.80% | 19.35% | 15.70% | 10.66% | -826 bps | |