Laurel, MS · Charter 63798
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.
Laurel, MS · Charter 63798
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 | 3.48% | 3.53% | -0.07% | 0.48% | 0.98% | -249 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.77% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.07% | 4.43% | 5.07% | n/a | |
| Efficiency Ratio | n/a | n/a | 86.23% | 73.01% | 72.10% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.70% | 2.03% | 0.89% | -18.11% | -34.34% | -4,305 bps | |
| Loan Growth (YoY) | -33.91% | -36.13% | -33.03% | -18.08% | 12.45% | +4,636 bps | |
| Share Growth (YoY) | 11.53% | 3.59% | 1.60% | -21.00% | -40.15% | -5,167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.86% | 4.16% | 3.29% | 1.38% | 2.57% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.50% | 1.44% | 0.97% | 1.92% | 1.65% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 20.65% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 20.65% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.62% | 47.60% | 53.41% | 69.54% | 102.61% | +4,799 bps | |
| Liquid Assets / Assets | 51.60% | 57.05% | 1.17% | 1.46% | 17.38% | -3,422 bps | |