Ahoskie, NC · Charter 63387
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 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.
Ahoskie, NC · Charter 63387
Q2 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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -1.22% | -2.73% | -4.73% | 0.84% | +91 bps | |
| Return on Equity | n/a | -22.92% | -86.60% | n/a | 101.38% | n/a | |
| Net Interest Margin | 4.24% | 3.39% | 3.70% | 2.19% | 4.95% | +71 bps | |
| Efficiency Ratio | 101.62% | 98.92% | 93.72% | 123.54% | 55.43% | -4,619 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 41.11% | 40.68% | 30.46% | 24.22% | -4.38% | -4,548 bps | |
| Loan Growth (YoY) | 38.28% | 37.40% | 28.98% | 25.93% | 6.17% | -3,210 bps | |
| Share Growth (YoY) | 40.02% | 45.66% | 38.57% | 38.21% | 3.59% | -3,643 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.26% | 3.59% | 11.24% | 12.01% | 11.57% | +331 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.10% | 2.04% | 4.48% | 4.00% | +338 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 5.34% | 3.15% | -1.06% | 0.83% | n/a | |
| Net Worth / Assets | n/a | 5.34% | 3.15% | -1.06% | 0.83% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.89% | 79.09% | 80.73% | 82.04% | 88.04% | +214 bps | |
| Liquid Assets / Assets | 3.98% | 14.00% | 12.39% | 6.76% | 8.25% | +427 bps | |