Richmond, IN · Charter 20141
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.
Richmond, IN · Charter 20141
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 | 0.35% | 0.23% | 0.19% | -0.11% | 0.22% | -13 bps | |
| Return on Equity | n/a | n/a | 1.00% | -0.58% | 1.15% | n/a | |
| Net Interest Margin | 4.31% | 3.62% | 4.16% | 3.45% | 3.84% | -47 bps | |
| Efficiency Ratio | 91.92% | 88.66% | 92.97% | 103.17% | 94.40% | +248 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.50% | -4.05% | -13.73% | -12.95% | -11.34% | -684 bps | |
| Loan Growth (YoY) | -28.76% | -20.10% | -10.80% | -1.09% | -17.06% | +1,170 bps | |
| Share Growth (YoY) | -5.58% | -7.29% | -16.72% | -15.69% | -14.01% | -843 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.85% | 0.02% | 1.48% | 1.58% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.62% | 2.97% | 2.92% | 2.69% | 3.52% | +91 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 19.41% | 19.52% | 19.30% | n/a | |
| Net Worth / Assets | n/a | n/a | 19.41% | 19.52% | 19.30% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.94% | 76.26% | 84.55% | 84.37% | 59.74% | -220 bps | |
| Liquid Assets / Assets | 33.15% | 35.55% | 29.48% | 29.53% | 49.16% | +1,600 bps | |