Columbus, OH · Charter 20925
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.
Columbus, OH · Charter 20925
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 | 0.82% | 1.14% | 1.02% | 1.00% | 0.46% | -37 bps | |
| Return on Equity | n/a | n/a | 6.51% | 7.05% | 2.89% | n/a | |
| Net Interest Margin | 2.55% | 3.00% | 3.48% | 3.22% | 3.20% | +65 bps | |
| Efficiency Ratio | 65.94% | 49.90% | 50.55% | 49.97% | 61.11% | -483 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.27% | 12.91% | 17.94% | 15.25% | 13.91% | +164 bps | |
| Loan Growth (YoY) | 31.40% | 90.59% | 188.60% | 180.08% | 85.35% | +5,396 bps | |
| Share Growth (YoY) | 12.28% | 12.67% | 18.96% | 15.94% | 14.64% | +236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.75% | 1.44% | 1.11% | 2.72% | +203 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.86% | 2.04% | 2.02% | 2.25% | +90 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 15.65% | 14.14% | 15.82% | n/a | |
| Net Worth / Assets | n/a | n/a | 15.65% | 14.14% | 15.82% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.15% | 34.68% | 55.85% | 49.28% | 53.59% | +2,045 bps | |
| Liquid Assets / Assets | 63.10% | 62.38% | 51.17% | 57.00% | 53.96% | -914 bps | |