Ottumwa, IA · Charter 1502
Q4 2002
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.48% | 0.63% | 0.65% | 0.62% | +4 bps | |
| Return on Equity | 6.44% | 5.58% | 7.04% | 6.86% | 7.21% | +77 bps | |
| Net Interest Margin | 4.09% | 4.03% | 4.12% | 4.32% | 3.97% | -12 bps | |
| Efficiency Ratio | 86.47% | 88.65% | 85.92% | 86.07% | 85.79% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.02% | 20.40% | 20.68% | 17.88% | 18.18% | -84 bps | |
| Loan Growth (YoY) | 17.25% | 7.51% | 8.90% | 13.96% | 23.72% | +646 bps | |
| Share Growth (YoY) | 17.13% | 18.42% | 22.45% | 18.07% | 18.00% | +87 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.23% | 0.37% | 0.45% | 0.51% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.30% | 0.34% | 0.33% | 0.26% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.97% | 8.68% | 8.91% | 9.41% | 8.58% | -39 bps | |
| Net Worth / Assets | 8.97% | 8.68% | 8.91% | 9.41% | 8.58% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.09% | 84.16% | 87.08% | 93.20% | 93.40% | +432 bps | |
| Liquid Assets / Assets | 16.54% | 16.06% | 13.93% | 6.16% | 10.76% | -577 bps | |