Norfolk, NE · Charter 14258
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Norfolk, NE · Charter 14258
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.10% | 2.94% | -0.21% | -1.07% | -3.36% | -746 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -73.11% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.71% | 4.72% | 5.32% | n/a | |
| Efficiency Ratio | n/a | n/a | 98.28% | 115.39% | 114.38% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 45.04% | 56.39% | 40.93% | 29.52% | -2.43% | -4,748 bps | |
| Loan Growth (YoY) | 33.06% | 57.01% | 48.55% | 25.70% | 4.07% | -2,899 bps | |
| Share Growth (YoY) | 49.75% | 60.90% | 44.46% | 32.82% | 1.40% | -4,835 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.50% | 0.12% | 2.08% | 3.01% | 8.79% | +628 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.26% | 0.53% | 0.69% | 2.80% | +202 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.60% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.60% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.46% | 99.98% | 106.86% | 100.49% | 101.06% | +260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |