Madison, AL · Charter 68357
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.20% | 0.03% | 0.02% | 0.01% | -24 bps | |
| Return on Equity | 2.57% | 1.93% | 0.38% | 0.19% | 0.13% | -244 bps | |
| Net Interest Margin | 4.53% | 4.57% | 3.98% | 4.03% | 4.13% | -40 bps | |
| Efficiency Ratio | 78.72% | 80.98% | 80.28% | 80.40% | 81.28% | +255 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.67% | -2.42% | 17.78% | 7.68% | 0.82% | +15 bps | |
| Loan Growth (YoY) | -19.89% | -21.72% | -17.59% | -13.76% | -17.20% | +269 bps | |
| Share Growth (YoY) | 1.65% | -1.77% | 18.57% | 8.59% | 0.99% | -66 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.83% | 5.41% | 5.33% | 6.77% | 5.80% | +197 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.22% | 1.53% | 1.50% | 1.38% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.01% | 10.19% | 9.22% | 9.41% | 9.94% | -7 bps | |
| Net Worth / Assets | 10.01% | 10.19% | 9.22% | 9.41% | 9.94% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.28% | 76.78% | 66.40% | 65.19% | 65.01% | -1,428 bps | |
| Liquid Assets / Assets | 16.67% | 7.21% | 31.89% | 31.07% | 34.86% | +1,818 bps | |