Alice, TX · Charter 17129
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.
Alice, TX · Charter 17129
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 | -1.18% | 1.98% | -0.38% | 1.25% | 2.78% | +396 bps | |
| Return on Equity | n/a | n/a | -1.58% | 4.47% | 10.35% | n/a | |
| Net Interest Margin | 5.74% | 6.00% | 6.54% | 7.09% | 7.53% | +180 bps | |
| Efficiency Ratio | 77.88% | 63.43% | 57.65% | 78.90% | 64.71% | -1,317 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.58% | -17.32% | -20.04% | -24.90% | -18.63% | +95 bps | |
| Loan Growth (YoY) | 18.18% | 3.26% | -10.80% | -25.36% | -25.31% | -4,349 bps | |
| Share Growth (YoY) | -23.47% | -21.65% | -22.20% | -30.86% | -23.64% | -17 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.55% | 3.54% | 12.90% | 5.71% | 18.24% | +1,369 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 2.32% | 6.84% | 7.15% | 6.36% | +440 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 23.86% | 27.97% | 26.88% | n/a | |
| Net Worth / Assets | n/a | n/a | 23.86% | 27.97% | 26.88% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.26% | 88.18% | 86.75% | 93.84% | 85.35% | -191 bps | |
| Liquid Assets / Assets | 29.95% | 28.34% | 30.88% | 30.41% | 40.56% | +1,061 bps | |