Geneva, AL · Charter 63265
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Geneva, AL · Charter 63265
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.22% | 1.14% | 1.24% | -16.51% | -34.81% | -4,003 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 4.23% | 4.25% | 4.41% | 3.26% | n/a | |
| Efficiency Ratio | n/a | 78.96% | 78.75% | 81.00% | 89.48% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 27.91% | 28.15% | 30.03% | 4.68% | -5.31% | -3,322 bps | |
| Loan Growth (YoY) | 33.71% | 25.53% | 27.20% | 18.91% | -11.90% | -4,561 bps | |
| Share Growth (YoY) | 27.70% | 32.37% | 31.42% | 21.72% | 10.76% | -1,694 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.68% | 0.59% | 0.54% | 1.50% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.26% | 0.20% | 16.73% | 20.38% | +2,015 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 0.00% | -9.08% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 0.00% | -9.08% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.43% | 99.67% | 99.62% | 99.64% | 79.08% | -2,035 bps | |
| Liquid Assets / Assets | 2.98% | 0.35% | 0.33% | 2.54% | 7.17% | +418 bps | |