Sleepy Eye, MN · Charter 60730
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.
Sleepy Eye, MN · Charter 60730
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.05% | 1.09% | 1.11% | 1.07% | +9 bps | |
| Return on Equity | 5.32% | 5.80% | 6.02% | 6.19% | 5.97% | +65 bps | |
| Net Interest Margin | 1.87% | 1.72% | 1.88% | 1.97% | 2.12% | +25 bps | |
| Efficiency Ratio | 45.01% | 47.93% | 47.28% | 47.31% | 48.52% | +351 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 9.03% | 11.01% | 10.86% | 8.82% | +268 bps | |
| Loan Growth (YoY) | 16.23% | 11.49% | 7.88% | 7.52% | 5.67% | -1,056 bps | |
| Share Growth (YoY) | 5.13% | 8.50% | 10.83% | 10.89% | 9.05% | +393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.14% | 0.16% | 0.12% | 0.15% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.78% | 0.76% | 0.73% | 0.89% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.26% | 18.02% | 18.03% | 17.96% | 17.84% | -41 bps | |
| Net Worth / Assets | 18.26% | 18.02% | 18.03% | 17.96% | 17.84% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.25% | 61.45% | 62.09% | 63.11% | 61.28% | -196 bps | |
| Liquid Assets / Assets | 22.77% | 15.78% | 11.99% | 8.39% | 12.77% | -1,000 bps | |