Frederick, MD · Charter 12844
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.
Frederick, MD · Charter 12844
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 | 0.44% | 0.73% | 0.87% | 0.58% | -0.91% | -135 bps | |
| Return on Equity | n/a | n/a | 11.06% | 7.51% | -14.42% | n/a | |
| Net Interest Margin | 4.13% | 4.17% | 4.20% | 3.62% | 3.53% | -60 bps | |
| Efficiency Ratio | 80.81% | 79.08% | 79.61% | 87.94% | 100.44% | +1,964 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.80% | -0.56% | -0.40% | 4.37% | 10.01% | +1,381 bps | |
| Loan Growth (YoY) | -26.24% | -28.17% | -20.84% | -6.15% | -2.52% | +2,372 bps | |
| Share Growth (YoY) | -3.99% | -0.56% | -2.33% | 2.48% | 9.81% | +1,380 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.06% | 2.90% | 2.99% | 2.14% | 1.49% | -157 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.75% | 2.94% | 2.46% | 2.00% | 3.33% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 7.89% | 7.76% | 6.29% | n/a | |
| Net Worth / Assets | n/a | n/a | 7.89% | 7.76% | 6.29% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.79% | 61.99% | 63.24% | 62.22% | 59.29% | -750 bps | |
| Liquid Assets / Assets | 13.10% | 13.11% | 22.69% | 24.55% | 31.51% | +1,841 bps | |