Green River, WY · Charter 22736
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.
Green River, WY · Charter 22736
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.20% | 3.10% | 2.03% | -0.82% | -1.17% | -0.42% | 0.25% | 1.00% | +181 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -5.46% | 3.83% | 12.90% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.41% | 5.16% | 5.38% | 4.82% | 5.73% | +32 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 112.24% | 117.64% | 105.80% | 95.56% | 85.17% | -2,707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.76% | 32.88% | 11.34% | 19.71% | 14.00% | 1.66% | 32.13% | 13.63% | -609 bps | |
| Loan Growth (YoY) | 14.23% | 15.91% | -7.52% | -0.81% | 5.40% | 10.20% | 33.74% | 12.63% | +1,344 bps | |
| Share Growth (YoY) | 24.58% | 35.86% | 11.81% | 24.12% | 17.33% | -3.22% | 36.48% | 14.43% | -968 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.16% | 0.58% | 0.08% | 0.66% | 1.59% | 2.00% | +142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.64% | 0.69% | 0.52% | 0.46% | 0.40% | 0.23% | 0.26% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.68% | 6.44% | 7.72% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.68% | 6.44% | 7.72% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.30% | 93.53% | 86.02% | 88.34% | 92.80% | 106.51% | 84.30% | 86.95% | -139 bps | |
| Liquid Assets / Assets | 0.01% | 8.20% | 17.47% | 8.91% | 5.82% | 3.50% | 18.27% | 14.71% | +580 bps | |