PackageTrendsPeer
Letter portraitLegal landscape

Martin No. 1

Huntsville, AL · Charter 64438

Q2 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Martin No. 1

Huntsville, AL · Charter 64438

Q2 2000

$1.1MAssets
$790KLoans
$787KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.47%, down 324 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 6.45% of loans (+645 bps YoY).
  • Funding: loans stand at 100.41% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

2.47%-324 bps YoY

Net Interest Margin (YTD, annualized)

4.85%

Efficiency Ratio (YTD, annualized)

62.32%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets6.05%3.38%2.82%5.71%6.18%5.41%1.50%2.47%-324 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a3.38%4.85%n/a
Efficiency Ration/an/an/an/an/an/a67.46%62.32%n/a
Growth
Asset Growth (YoY)26.47%26.81%14.67%-26.35%-31.96%-33.88%-37.69%-16.25%+1,010 bps
Loan Growth (YoY)26.15%8.42%-6.93%-34.37%-33.15%-32.32%-22.40%9.49%+4,386 bps
Share Growth (YoY)27.74%26.02%14.19%-31.47%-37.33%-38.38%-44.02%-28.53%+294 bps
Asset Quality
Delinquent Loans / Loans3.90%5.02%8.18%0.00%1.59%0.58%1.48%6.45%+645 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.08%2.22%3.64%2.22%2.68%3.40%3.61%3.93%+170 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.24%58.58%53.36%65.54%64.27%64.33%73.97%100.41%+3,487 bps
Liquid Assets / Assets36.71%45.25%46.84%35.85%38.74%44.93%35.04%28.92%-694 bps