Warsaw, NC · Charter 63544
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Warsaw, NC · Charter 63544
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.40% | 5.48% | -2.54% | 0.62% | -2.54% | -694 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -53.87% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.64% | 6.51% | 5.64% | n/a | |
| Efficiency Ratio | n/a | n/a | 88.20% | 32.10% | 88.20% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 31.79% | 59.87% | 61.45% | 57.82% | 21.40% | -1,039 bps | |
| Loan Growth (YoY) | 9.52% | 19.01% | 38.13% | 52.07% | 25.81% | +1,629 bps | |
| Share Growth (YoY) | 32.44% | 60.72% | 66.08% | 62.55% | 23.47% | -897 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 20.39% | 14.58% | 20.20% | 31.53% | 20.20% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 1.03% | 5.52% | 2.93% | 5.52% | +474 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.71% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.71% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.04% | 77.44% | 81.56% | 76.05% | 81.56% | +152 bps | |
| Liquid Assets / Assets | 12.85% | 4.77% | 14.95% | 8.92% | 24.70% | +1,185 bps | |