Pine Hill, AL · Charter 20375
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.
Pine Hill, AL · Charter 20375
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 | 2.16% | 3.13% | 3.74% | 2.20% | -0.86% | -302 bps | |
| Return on Equity | n/a | n/a | 25.07% | 15.86% | -7.30% | n/a | |
| Net Interest Margin | 7.12% | 7.42% | 8.68% | 7.19% | 6.96% | -16 bps | |
| Efficiency Ratio | 73.03% | 62.20% | 61.64% | 62.60% | 67.82% | -522 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.38% | 10.66% | -2.25% | 2.19% | 13.62% | +524 bps | |
| Loan Growth (YoY) | -4.73% | 7.57% | 19.25% | 18.75% | -1.58% | +315 bps | |
| Share Growth (YoY) | 3.35% | 5.04% | -8.80% | -4.05% | 12.38% | +902 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.64% | 4.75% | 4.10% | 6.67% | 4.33% | -231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.34% | 5.49% | 3.85% | 3.40% | 2.04% | -330 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 14.91% | 13.90% | 11.77% | n/a | |
| Net Worth / Assets | n/a | n/a | 14.91% | 13.90% | 11.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.55% | 89.08% | 111.99% | 87.33% | 77.55% | -1,100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 6.65% | 25.98% | 31.56% | +3,156 bps | |