Charlotte, NC · Charter 8300
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.
Charlotte, NC · Charter 8300
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 | 3.21% | 1.08% | 0.71% | 0.95% | 2.43% | -78 bps | |
| Return on Equity | n/a | n/a | n/a | 2.87% | 7.14% | n/a | |
| Net Interest Margin | n/a | 5.53% | 5.12% | 5.15% | 5.31% | n/a | |
| Efficiency Ratio | n/a | 82.22% | 87.21% | 82.97% | 74.21% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -25.73% | -26.85% | -29.25% | -22.69% | -15.12% | +1,061 bps | |
| Loan Growth (YoY) | -44.09% | -29.71% | -23.26% | -12.20% | 0.17% | +4,426 bps | |
| Share Growth (YoY) | -33.38% | -36.48% | -39.39% | -32.22% | -23.94% | +944 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.83% | 1.52% | 1.00% | 0.82% | 0.28% | -155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.39% | 2.12% | 2.42% | 2.17% | 1.64% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 33.17% | 33.98% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 33.17% | 33.98% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.95% | 92.25% | 95.55% | 97.70% | 96.07% | +2,312 bps | |
| Liquid Assets / Assets | 35.89% | 11.87% | 26.80% | 35.41% | 35.83% | -6 bps | |