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Vip Metro

St Paul, MN · Charter 24357

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Vip Metro

St Paul, MN · Charter 24357

Q4 2001

$15.8MAssets
$10.5MLoans
$15.0MShares
$802KNet Worth

Executive Summary

  • Earnings: ROA of -1.95%, down 229 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.28% of loans (-12 bps YoY).
  • Capital: net worth / assets of 5.07%.
  • Funding: loans stand at 70.44% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-1.95%-229 bps YoY

Net Interest Margin (YTD, annualized)

2.06%-218 bps YoY

Efficiency Ratio (YTD, annualized)

167.75%+7,847 bps YoY

Net Worth / Assets

5.07%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.20%3.01%2.73%0.34%0.40%0.19%0.00%-1.95%-229 bps
Return on Equityn/an/an/an/an/a2.63%0.03%-38.42%n/a
Net Interest Marginn/an/an/a4.24%4.49%4.38%4.15%2.06%-218 bps
Efficiency Ration/an/an/a89.28%90.14%95.18%98.00%167.75%+7,847 bps
Growth
Asset Growth (YoY)2.48%3.23%9.28%3.27%0.72%-2.11%-9.74%-2.92%-620 bps
Loan Growth (YoY)-0.03%-7.14%3.95%5.39%2.75%1.00%-13.86%-22.27%-2,766 bps
Share Growth (YoY)2.41%7.52%9.56%2.27%-0.62%-6.99%-11.61%-1.26%-353 bps
Asset Quality
Delinquent Loans / Loans0.98%0.83%0.49%0.40%0.40%0.51%0.59%0.28%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.58%0.60%0.56%0.51%0.49%0.35%0.43%0.39%-12 bps
Capital
Risk-Based Capitaln/an/an/an/an/a7.06%7.35%5.07%n/a
Net Worth / Assetsn/an/an/an/an/a7.06%7.35%5.07%n/a
Liquidity & Funding
Loans / Shares86.97%84.50%84.50%89.47%89.91%91.75%82.35%70.44%-1,904 bps
Liquid Assets / Assets11.45%12.67%5.11%0.59%2.17%6.41%16.28%23.35%+2,276 bps