Sheridan, WY · Charter 1024
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Sheridan, WY · Charter 1024
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | -5.19% | -10.02% | 6.94% | 3.41% | +314 bps | |
| Return on Equity | n/a | n/a | n/a | 1666% | 825% | n/a | |
| Net Interest Margin | 5.55% | 6.15% | 6.35% | 5.21% | 5.26% | -29 bps | |
| Efficiency Ratio | 62.20% | 81.97% | 98.20% | 49.60% | 57.71% | -449 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 78.50% | 22.56% | -13.77% | -21.40% | -23.84% | -10,234 bps | |
| Loan Growth (YoY) | 62.31% | 12.23% | -16.38% | -33.94% | -28.22% | -9,053 bps | |
| Share Growth (YoY) | 80.16% | 25.88% | -5.55% | -16.98% | -20.36% | -10,052 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.83% | 7.86% | 5.01% | 5.20% | 3.39% | -244 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.83% | 4.49% | 4.24% | 4.41% | 4.62% | +178 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | -3.21% | 0.42% | 0.41% | n/a | |
| Net Worth / Assets | n/a | n/a | -3.21% | 0.42% | 0.41% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.98% | 88.03% | 86.16% | 82.33% | 80.20% | -878 bps | |
| Liquid Assets / Assets | 9.37% | 10.16% | 5.21% | 18.07% | 19.64% | +1,027 bps | |