PackageTrendsPeer
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Ottumwa Railroad Employees

Ottumwa, IA · Charter 61061

Q2 2002

$1.7MAssets
$985KLoans
$1.3MShares
$404KNet 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 0.16%, down 19 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.15% of loans (-122 bps YoY).
  • Capital: net worth / assets of 23.98%, down 347 bps from a year ago.
  • Funding: loans stand at 77.05% of shares as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

0.16%-19 bps YoY

Net Interest Margin (quarter, annualized)

4.59%-33 bps YoY

Efficiency Ratio (quarter, annualized)

96.64%+944 bps YoY

Net Worth / Assets

23.98%-347 bps YoY

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets0.34%0.40%-3.99%0.01%0.16%-19 bps
Return on Equity1.24%1.44%-17.08%0.06%0.65%-60 bps
Net Interest Margin4.92%4.76%3.34%4.72%4.59%-33 bps
Efficiency Ratio87.20%87.69%215%99.71%96.64%+944 bps
Growth
Asset Growth (YoY)-3.88%-2.54%0.23%-2.17%-2.51%+138 bps
Loan Growth (YoY)-4.40%-9.25%-15.70%-20.97%-18.75%-1,436 bps
Share Growth (YoY)-5.13%-3.37%4.46%2.61%2.19%+732 bps
Asset Quality
Delinquent Loans / Loans1.37%0.81%0.17%2.23%0.15%-122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.42%1.55%1.53%1.87%1.96%+54 bps
Capital
Risk-Based Capital27.46%27.54%23.36%23.64%23.98%-347 bps
Net Worth / Assets27.46%27.54%23.36%23.64%23.98%-347 bps
Liquidity & Funding
Loans / Shares96.92%89.27%81.92%75.25%77.05%-1,987 bps
Liquid Assets / Assets29.77%35.38%38.14%42.65%41.56%+1,179 bps