East Point, GA · Charter 67595
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
East Point, GA · Charter 67595
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.12% | -1.56% | 0.76% | -0.14% | -0.84% | +128 bps | |
| Return on Equity | n/a | -18.18% | 9.28% | -2.06% | -11.70% | n/a | |
| Net Interest Margin | 7.10% | 6.53% | 6.40% | 5.93% | 7.85% | +75 bps | |
| Efficiency Ratio | 101.13% | 99.60% | 72.45% | 65.91% | 93.03% | -809 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.38% | 9.59% | 14.19% | 34.89% | 23.40% | +1,902 bps | |
| Loan Growth (YoY) | 14.66% | 6.93% | 7.32% | 31.57% | 4.96% | -970 bps | |
| Share Growth (YoY) | 4.87% | 12.51% | 17.28% | 42.13% | 28.05% | +2,318 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.22% | 11.13% | 6.78% | 5.65% | 5.03% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.84% | 2.31% | 3.26% | 0.93% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 8.60% | 8.19% | 6.78% | 7.19% | n/a | |
| Net Worth / Assets | n/a | 8.60% | 8.19% | 6.78% | 7.19% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.03% | 95.20% | 88.91% | 87.76% | 81.99% | -1,804 bps | |
| Liquid Assets / Assets | 6.80% | 14.66% | 18.45% | 12.35% | 21.25% | +1,445 bps | |