Franklin, NH · Charter 21314
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.
Franklin, NH · Charter 21314
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 | -2.17% | -0.35% | 0.02% | -0.70% | -5.60% | -342 bps | |
| Return on Equity | n/a | n/a | 0.22% | -8.63% | -190.81% | n/a | |
| Net Interest Margin | 4.30% | 4.92% | 5.10% | 3.83% | 3.95% | -35 bps | |
| Efficiency Ratio | 73.28% | 68.53% | 69.06% | 79.58% | 122.08% | +4,879 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.80% | -2.95% | -2.78% | -1.54% | 7.38% | -142 bps | |
| Loan Growth (YoY) | -1.99% | 9.48% | 5.61% | 1.93% | -13.18% | -1,119 bps | |
| Share Growth (YoY) | 12.05% | -1.10% | -0.48% | 0.35% | 12.84% | +78 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.87% | 3.68% | 8.69% | 8.34% | 4.62% | -224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.48% | 2.59% | 2.80% | 4.10% | 7.67% | +419 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.77% | 8.11% | 2.93% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.77% | 8.11% | 2.93% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.41% | 89.72% | 89.17% | 72.34% | 64.18% | -1,923 bps | |
| Liquid Assets / Assets | 0.00% | 7.93% | 19.88% | 34.74% | 42.72% | +4,272 bps | |