PackageTrendsPeer
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Biloxi V A F

Biloxi, MS · Charter 740

Q2 1999

$7.9MAssets
$5.5MLoans
$6.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.22%, down 75 bps year over year.
  • Asset quality: problem loans at 0.30% of loans (-46 bps YoY).
  • Funding: loans stand at 82.95% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.22%-75 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.97%4.67%4.57%4.69%3.22%-75 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)2.77%1.05%-0.53%-6.38%4.44%+166 bps
Loan Growth (YoY)7.06%0.57%-5.36%-7.20%-10.25%-1,731 bps
Share Growth (YoY)1.16%-1.36%-3.14%-9.86%2.05%+90 bps
Asset Quality
Delinquent Loans / Loans0.76%0.73%0.40%0.41%0.30%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.97%0.81%0.75%0.69%-4 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares94.32%98.25%89.16%98.53%82.95%-1,137 bps
Liquid Assets / Assets13.53%12.99%20.19%11.64%24.26%+1,073 bps