Crawfordsville, IN · Charter 21740
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.
Crawfordsville, IN · Charter 21740
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 | 0.00% | 0.36% | 0.69% | 0.54% | -0.34% | -34 bps | |
| Return on Equity | n/a | n/a | 9.99% | 8.37% | -5.00% | n/a | |
| Net Interest Margin | 7.63% | 7.97% | 9.55% | 7.94% | 8.81% | +118 bps | |
| Efficiency Ratio | 88.32% | 79.33% | 78.37% | 83.19% | 84.54% | -379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.44% | -5.09% | -8.95% | -10.12% | -9.56% | -411 bps | |
| Loan Growth (YoY) | -6.08% | -10.47% | -4.91% | -10.57% | -18.50% | -1,242 bps | |
| Share Growth (YoY) | -3.33% | -2.60% | -9.73% | -11.54% | -10.22% | -689 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.96% | 14.39% | 6.37% | 6.66% | 6.31% | -465 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.90% | 6.50% | 6.43% | 4.02% | 3.06% | -285 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 6.87% | 6.49% | 6.78% | n/a | |
| Net Worth / Assets | n/a | n/a | 6.87% | 6.49% | 6.78% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.89% | 78.86% | 93.26% | 82.32% | 84.33% | -856 bps | |
| Liquid Assets / Assets | 4.38% | 0.00% | 14.52% | 23.00% | 19.94% | +1,556 bps | |