Pittsburg, KS · Charter 67832
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Pittsburg, KS · Charter 67832
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.80% | 3.28% | 0.72% | 0.45% | -0.12% | -392 bps | |
| Return on Equity | n/a | n/a | n/a | 8.82% | -2.03% | n/a | |
| Net Interest Margin | n/a | 5.79% | 5.87% | 5.65% | 5.11% | n/a | |
| Efficiency Ratio | n/a | 67.33% | 88.62% | 92.63% | 102.15% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -22.04% | -7.70% | 0.70% | 1.45% | -4.13% | +1,791 bps | |
| Loan Growth (YoY) | -32.10% | -10.66% | 19.72% | 22.00% | 21.61% | +5,372 bps | |
| Share Growth (YoY) | -13.24% | -11.71% | 4.67% | -2.27% | -8.11% | +513 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.30% | 6.18% | 5.25% | 0.00% | 0.00% | -730 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.55% | 7.47% | 6.27% | 0.88% | 0.48% | -708 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 5.12% | 5.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 5.12% | 5.87% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.20% | 85.88% | 94.57% | 95.13% | 92.91% | +2,271 bps | |
| Liquid Assets / Assets | 28.89% | 0.00% | 0.00% | 7.78% | 10.52% | -1,836 bps | |