Rapid City, SD · Charter 11838
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | -0.18% | 0.36% | 0.03% | 0.08% | -18 bps | |
| Return on Equity | n/a | n/a | 1.94% | 0.15% | 0.31% | n/a | |
| Net Interest Margin | 5.30% | 5.20% | 5.76% | 5.70% | 7.68% | +238 bps | |
| Efficiency Ratio | 95.15% | 103.40% | 93.74% | 99.26% | 98.83% | +368 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -31.78% | -18.01% | -18.07% | -8.33% | -31.09% | +69 bps | |
| Loan Growth (YoY) | -29.21% | 0.79% | 22.71% | 31.41% | 1.22% | +3,044 bps | |
| Share Growth (YoY) | -36.13% | -21.48% | -21.83% | -10.61% | -38.40% | -227 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.31% | 8.00% | 11.01% | 9.82% | 7.15% | +284 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.37% | 2.64% | 3.24% | 3.32% | 0.91% | -346 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 18.86% | 18.33% | 26.28% | n/a | |
| Net Worth / Assets | n/a | n/a | 18.86% | 18.33% | 26.28% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.66% | 85.29% | 101.55% | 99.82% | 121.03% | +4,737 bps | |
| Liquid Assets / Assets | 21.60% | 0.00% | 13.65% | 18.78% | 9.03% | -1,257 bps | |