Elm Springs, AR · Charter 23176
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Elm Springs, AR · Charter 23176
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.36% | 0.19% | -0.53% | -0.07% | -73 bps | |
| Return on Equity | 3.83% | 2.13% | 1.19% | -2.98% | -0.37% | -420 bps | |
| Net Interest Margin | 3.50% | 2.92% | 2.71% | 2.90% | 3.20% | -31 bps | |
| Efficiency Ratio | 82.23% | 102.92% | 101.09% | 108.63% | 99.63% | +1,741 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.83% | -8.32% | 5.00% | -6.60% | -6.54% | +229 bps | |
| Loan Growth (YoY) | -39.77% | -27.91% | -18.76% | -29.64% | -19.31% | +2,046 bps | |
| Share Growth (YoY) | -9.41% | -9.23% | 4.43% | -7.09% | -8.12% | +130 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.63% | 1.14% | 2.01% | 3.73% | 1.15% | -149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.84% | 2.04% | 2.95% | 3.69% | 2.22% | -62 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.31% | 16.71% | 15.88% | 17.66% | 18.57% | +126 bps | |
| Net Worth / Assets | 17.31% | 16.71% | 15.88% | 17.66% | 18.57% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.39% | 57.31% | 46.72% | 52.85% | 57.42% | -796 bps | |
| Liquid Assets / Assets | 46.73% | 52.32% | 61.13% | 57.22% | 52.15% | +541 bps | |