Canton, MS · Charter 64060
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -1.36% | -1.35% | -1.31% | 13.86% | +1,411 bps | |
| Return on Equity | -1.36% | -7.73% | -7.17% | -6.51% | 53.85% | +5,521 bps | |
| Net Interest Margin | 9.43% | 5.66% | 6.07% | 6.20% | 29.70% | +2,027 bps | |
| Efficiency Ratio | 89.77% | 107.87% | 109.47% | 109.49% | 66.67% | -2,310 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.67% | 0.74% | -5.60% | -16.73% | -32.98% | -2,931 bps | |
| Loan Growth (YoY) | -11.51% | -8.84% | -21.52% | -28.49% | -7.30% | +421 bps | |
| Share Growth (YoY) | -4.08% | 2.11% | -4.68% | -18.73% | -38.45% | -3,437 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.87% | 0.57% | 0.54% | 0.67% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.09% | 1.31% | 1.11% | 0.00% | -104 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.32% | 17.58% | 18.83% | 20.07% | 25.74% | +742 bps | |
| Net Worth / Assets | 18.32% | 17.58% | 18.83% | 20.07% | 25.74% | +742 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.83% | 36.63% | 33.36% | 43.45% | 60.00% | +2,017 bps | |
| Liquid Assets / Assets | 58.79% | 58.81% | 71.08% | 41.40% | 38.61% | -2,018 bps | |