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Amco, Inc.

Alliance, OH · Charter 60960

Q4 2001

$4.9MAssets
$1.1MLoans
$4.1MShares
$771KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, down 34 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.17% of loans (-493 bps YoY).
  • Capital: net worth / assets of 15.83%.
  • Funding: loans stand at 26.88% of shares as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.37%-34 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+20 bps YoY

Efficiency Ratio (quarter, annualized)

85.83%+969 bps YoY

Net Worth / Assets

15.83%

Discrete quarter, annualized.

MetricQ4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.71%0.72%0.90%1.14%0.37%-34 bps
Return on Equityn/an/a5.91%7.02%2.31%n/a
Net Interest Margin3.82%3.82%4.37%4.78%4.01%+20 bps
Efficiency Ratio76.14%75.25%73.69%71.37%85.83%+969 bps
Growth
Asset Growth (YoY)-3.47%-1.27%-5.07%-12.08%-7.20%-373 bps
Loan Growth (YoY)-37.10%-41.29%-36.55%-35.29%-31.67%+543 bps
Share Growth (YoY)-5.31%-2.71%-7.78%-16.15%-9.35%-403 bps
Asset Quality
Delinquent Loans / Loans5.10%4.20%3.14%0.95%0.17%-493 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.26%3.39%3.60%3.90%4.45%+219 bps
Capital
Risk-Based Capitaln/an/a15.17%16.22%15.83%n/a
Net Worth / Assetsn/an/a15.17%16.22%15.83%n/a
Liquidity & Funding
Loans / Shares35.66%31.14%31.72%29.56%26.88%-878 bps
Liquid Assets / Assets44.69%40.20%45.28%54.75%74.40%+2,971 bps