North Hornell, NY · Charter 14690
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.
North Hornell, NY · Charter 14690
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 | 0.51% | 0.27% | 0.69% | 0.37% | 0.43% | -8 bps | |
| Return on Equity | n/a | n/a | 5.85% | 3.25% | 3.80% | n/a | |
| Net Interest Margin | 2.77% | 2.64% | 3.17% | 2.96% | 2.99% | +22 bps | |
| Efficiency Ratio | 64.48% | 54.53% | 51.99% | 66.69% | 85.78% | +2,130 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.75% | 20.40% | 6.39% | 1.14% | 10.63% | -512 bps | |
| Loan Growth (YoY) | 29.32% | 22.13% | 20.79% | 22.38% | 6.07% | -2,325 bps | |
| Share Growth (YoY) | 15.47% | 21.41% | 5.77% | -0.05% | 10.66% | -481 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.89% | 0.57% | 2.44% | 2.49% | +205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 1.17% | 1.43% | 1.75% | 1.73% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 11.82% | 11.51% | 11.20% | n/a | |
| Net Worth / Assets | n/a | n/a | 11.82% | 11.51% | 11.20% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.40% | 86.35% | 103.55% | 99.09% | 91.43% | -396 bps | |
| Liquid Assets / Assets | 11.37% | 0.00% | 6.03% | 108.66% | 19.37% | +801 bps | |