PackageTrendsPeer
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Benco Employees

Geneva, AL · Charter 63265

Q2 2001

$13.4MAssets
$11.4MLoans
$14.5MShares
$-1221KNet 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 -34.81%, down 4,003 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 1.50% of loans (+52 bps YoY).
  • Capital: net worth / assets of -9.08%.
  • Funding: loans stand at 79.08% of shares as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

-34.81%-4,003 bps YoY

Net Interest Margin (quarter, annualized)

3.26%

Efficiency Ratio (quarter, annualized)

89.48%

Net Worth / Assets

-9.08%

Discrete quarter, annualized.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets5.22%1.14%1.24%-16.51%-34.81%-4,003 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.23%4.25%4.41%3.26%n/a
Efficiency Ration/a78.96%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 / Loans0.98%0.68%0.59%0.54%1.50%+52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.26%0.20%16.73%20.38%+2,015 bps
Capital
Risk-Based Capitaln/an/an/a0.00%-9.08%n/a
Net Worth / Assetsn/an/an/a0.00%-9.08%n/a
Liquidity & Funding
Loans / Shares99.43%99.67%99.62%99.64%79.08%-2,035 bps
Liquid Assets / Assets2.98%0.35%0.33%2.54%7.17%+418 bps