Madison, ME · Charter 10733
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.
Madison, ME · Charter 10733
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 | 1.31% | -1.42% | -0.68% | -0.72% | -0.66% | -197 bps | |
| Return on Equity | n/a | n/a | -5.97% | -7.26% | -6.94% | n/a | |
| Net Interest Margin | 6.27% | 6.83% | 6.73% | 6.25% | 6.07% | -21 bps | |
| Efficiency Ratio | 81.89% | 79.13% | 80.24% | 88.64% | 91.02% | +913 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.24% | 1.80% | 5.79% | 11.62% | 13.19% | -705 bps | |
| Loan Growth (YoY) | 18.81% | 35.07% | 21.43% | 13.33% | 2.58% | -1,623 bps | |
| Share Growth (YoY) | 18.95% | 0.10% | 5.93% | 13.51% | 16.67% | -228 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.46% | 6.24% | 5.34% | 5.15% | 4.16% | -230 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 2.96% | 2.33% | 2.80% | 1.73% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 11.31% | 9.87% | 9.55% | n/a | |
| Net Worth / Assets | n/a | n/a | 11.31% | 9.87% | 9.55% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.44% | 85.78% | 80.71% | 74.06% | 70.73% | -972 bps | |
| Liquid Assets / Assets | 3.68% | 7.41% | 23.72% | 29.07% | 25.00% | +2,133 bps | |