Calhoun City, MS · Charter 6884
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.
Calhoun City, MS · Charter 6884
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 | 4.66% | 5.39% | 6.05% | 3.97% | 0.24% | -442 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 | 6.59% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.45% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -5.91% | -2.52% | -9.47% | 0.00% | -21.53% | -1,562 bps | |
| Loan Growth (YoY) | -20.14% | -2.87% | -0.18% | -22.71% | -40.52% | -2,038 bps | |
| Share Growth (YoY) | -11.39% | -8.82% | -11.47% | -7.08% | -26.80% | -1,542 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 2.90% | 1.02% | 0.99% | 11.65% | +968 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.08% | 4.10% | 2.25% | 3.65% | 4.13% | +105 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 | 74.36% | 67.69% | 78.78% | 51.40% | 60.42% | -1,394 bps | |
| Liquid Assets / Assets | 33.77% | 29.42% | 26.30% | 30.57% | 39.90% | +613 bps | |