Cos Cob, CT · Charter 771
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.
Cos Cob, CT · Charter 771
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 | 3.57% | 0.88% | 1.09% | 1.11% | 1.02% | -254 bps | |
| Return on Equity | n/a | n/a | n/a | 9.85% | 9.90% | n/a | |
| Net Interest Margin | n/a | 4.53% | 5.14% | 5.11% | 4.71% | n/a | |
| Efficiency Ratio | n/a | 81.59% | 79.96% | 79.77% | 80.31% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.60% | 16.69% | 5.26% | 7.53% | 19.71% | +610 bps | |
| Loan Growth (YoY) | 13.57% | 16.53% | 14.75% | 15.00% | 24.59% | +1,102 bps | |
| Share Growth (YoY) | 12.60% | 16.10% | 3.67% | 6.36% | 18.95% | +635 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.14% | 1.12% | 0.50% | 0.19% | -102 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.50% | 1.46% | 0.95% | 0.84% | -78 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.31% | 10.35% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.31% | 10.35% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.44% | 82.38% | 86.70% | 87.71% | 81.11% | +367 bps | |
| Liquid Assets / Assets | 21.98% | 20.43% | 7.38% | 18.06% | 23.76% | +178 bps | |