Hamilton, OH · Charter 16080
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.
Hamilton, OH · Charter 16080
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 | 0.13% | 0.19% | 0.12% | 0.17% | 0.04% | -9 bps | |
| Return on Equity | n/a | n/a | 0.83% | 1.16% | 0.27% | n/a | |
| Net Interest Margin | 6.73% | 5.97% | 6.39% | 6.01% | 5.79% | -95 bps | |
| Efficiency Ratio | 98.09% | 96.76% | 98.16% | 97.26% | 99.36% | +127 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.15% | -8.83% | -6.43% | -7.62% | 5.37% | +1,353 bps | |
| Loan Growth (YoY) | -1.51% | -16.06% | -1.44% | -0.32% | -7.06% | -555 bps | |
| Share Growth (YoY) | -9.06% | -10.04% | -7.66% | -8.98% | 6.16% | +1,522 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.86% | 4.78% | 3.62% | 3.94% | 5.06% | +120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.04% | 1.02% | 0.64% | 0.74% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 14.32% | 14.30% | 13.61% | n/a | |
| Net Worth / Assets | n/a | n/a | 14.32% | 14.30% | 13.61% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.23% | 80.81% | 95.84% | 93.15% | 82.49% | -1,174 bps | |
| Liquid Assets / Assets | 15.67% | 21.82% | 17.82% | 19.74% | 28.03% | +1,236 bps | |