St. Joseph, MO · Charter 23857
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 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.
St. Joseph, MO · Charter 23857
Q4 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.85% | 0.76% | 0.81% | 0.76% | -8 bps | |
| Return on Equity | 7.94% | 8.19% | 8.36% | 9.20% | 8.36% | +42 bps | |
| Net Interest Margin | 3.01% | 2.71% | 2.52% | 2.45% | 2.52% | -49 bps | |
| Efficiency Ratio | 73.85% | 72.29% | 72.86% | 69.45% | 72.86% | -99 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.22% | 28.16% | 42.32% | 56.55% | 27.35% | +1,513 bps | |
| Loan Growth (YoY) | -2.88% | -11.00% | -15.22% | -15.62% | -9.29% | -641 bps | |
| Share Growth (YoY) | 11.35% | 29.76% | 45.71% | 61.95% | 29.61% | +1,826 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 1.26% | 0.69% | 0.27% | 0.69% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 1.78% | 1.92% | 1.98% | 1.92% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 10.43% | 9.12% | 8.85% | 9.12% | -152 bps | |
| Net Worth / Assets | 10.64% | 10.43% | 9.12% | 8.85% | 9.12% | -152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.68% | 64.07% | 49.47% | 45.94% | 49.47% | -2,121 bps | |
| Liquid Assets / Assets | 36.37% | 41.51% | 53.90% | 49.43% | 53.90% | +1,754 bps | |