Mobile, AL · Charter 64636
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Mobile, AL · Charter 64636
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.06% | 3.96% | 4.01% | 3.98% | 4.31% | +24 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -9.91% | -8.74% | -0.43% | 4.47% | 1.21% | +1,112 bps | |
| Loan Growth (YoY) | 19.95% | 15.35% | 0.75% | -6.60% | -8.99% | -2,894 bps | |
| Share Growth (YoY) | -13.77% | -11.86% | -0.92% | 4.87% | 2.41% | +1,618 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.23% | 1.69% | 5.24% | 8.18% | 8.95% | +672 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 1.57% | 2.89% | 3.07% | 2.48% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.66% | 97.67% | 88.96% | 81.64% | 84.13% | -1,053 bps | |
| Liquid Assets / Assets | 18.82% | 16.71% | 23.82% | 30.31% | 26.81% | +799 bps | |