Axis, AL · Charter 17625
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.
Axis, AL · Charter 17625
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 | 0.46% | 0.25% | -1.65% | -9.59% | -7.51% | -797 bps | |
| Return on Equity | n/a | n/a | -12.33% | -99.77% | -99.94% | n/a | |
| Net Interest Margin | 7.35% | 6.32% | 6.28% | 5.50% | 4.35% | -300 bps | |
| Efficiency Ratio | 79.21% | 91.39% | 92.00% | 130.07% | 174.24% | +9,504 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.83% | 28.32% | 19.23% | 5.95% | -8.27% | -2,910 bps | |
| Loan Growth (YoY) | -8.38% | -2.66% | -6.83% | -17.42% | -12.77% | -439 bps | |
| Share Growth (YoY) | 23.73% | 31.74% | 24.84% | 19.54% | 0.62% | -2,311 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.89% | 2.52% | 3.88% | 9.75% | 29.82% | +2,392 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.45% | 4.30% | 10.20% | 11.81% | +1,028 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 13.39% | 9.62% | 7.51% | n/a | |
| Net Worth / Assets | n/a | n/a | 13.39% | 9.62% | 7.51% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.16% | 84.21% | 87.24% | 82.76% | 74.68% | -1,147 bps | |
| Liquid Assets / Assets | 23.94% | 26.92% | 26.69% | 31.11% | 37.37% | +1,343 bps | |