Fayette, AL · Charter 22041
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.
Fayette, AL · Charter 22041
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 | 0.93% | 1.21% | 1.33% | 0.60% | 0.46% | -47 bps | |
| Return on Equity | n/a | n/a | 4.82% | 2.26% | 1.64% | n/a | |
| Net Interest Margin | 2.39% | 2.75% | 2.95% | 2.67% | 1.86% | -52 bps | |
| Efficiency Ratio | 62.09% | 60.29% | 58.06% | 64.28% | 76.37% | +1,428 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.51% | 6.70% | 1.74% | -1.52% | -6.81% | -2,131 bps | |
| Loan Growth (YoY) | 5.68% | 20.60% | 35.42% | 25.50% | 20.71% | +1,503 bps | |
| Share Growth (YoY) | 15.89% | 5.78% | -0.81% | -4.57% | -11.81% | -2,770 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.60% | 2.18% | 1.49% | 2.76% | +272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.37% | 0.29% | 0.60% | 0.62% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 27.53% | 26.69% | 28.27% | n/a | |
| Net Worth / Assets | n/a | n/a | 27.53% | 26.69% | 28.27% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.33% | 72.59% | 83.47% | 81.10% | 85.30% | +2,298 bps | |
| Liquid Assets / Assets | 0.00% | 41.10% | 37.35% | 38.88% | 37.56% | +3,756 bps | |