Port Wentworth, GA · Charter 6496
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Port Wentworth, GA · Charter 6496
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.04% | 5.11% | 5.12% | 3.27% | -9.72% | -1,476 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 | 3.52% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 88.52% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 4.31% | 8.10% | 3.31% | 1.03% | 4.90% | +60 bps | |
| Loan Growth (YoY) | 13.41% | 26.57% | 3.71% | -4.32% | -19.53% | -3,294 bps | |
| Share Growth (YoY) | 2.30% | 6.01% | -0.24% | -2.86% | 15.93% | +1,363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.73% | 2.03% | 17.10% | 7.66% | +704 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.90% | 1.47% | 2.05% | 9.98% | +936 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 | 88.06% | 90.03% | 90.18% | 85.03% | 61.13% | -2,693 bps | |
| Liquid Assets / Assets | 17.54% | 16.41% | 19.04% | 22.58% | 33.31% | +1,578 bps | |