PackageTrendsPeer
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I.B.E.W.

St. Louis, MO · Charter 61175

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

I.B.E.W.

St. Louis, MO · Charter 61175

Q4 2001

$1.7MAssets
$557KLoans
$1.3MShares
$381KNet Worth

Executive Summary

  • Earnings: ROA of -1.06%, down 136 bps year over year; NIM at 1.10%.
  • Asset quality: problem loans at 3.01% of loans (+158 bps YoY).
  • Capital: net worth / assets of 22.26%.
  • Funding: loans stand at 41.85% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-1.06%-136 bps YoY

Net Interest Margin (YTD, annualized)

1.10%-145 bps YoY

Efficiency Ratio (YTD, annualized)

186.51%+9,931 bps YoY

Net Worth / Assets

22.26%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets5.19%4.52%3.51%0.30%1.26%0.51%-0.17%-1.06%-136 bps
Return on Equityn/an/an/an/an/a2.03%-0.68%-4.77%n/a
Net Interest Marginn/an/an/a2.54%3.42%2.70%2.14%1.10%-145 bps
Efficiency Ration/an/an/a87.21%63.41%81.11%98.12%186.51%+9,931 bps
Growth
Asset Growth (YoY)3.62%10.31%9.17%5.06%0.29%-2.15%0.59%8.93%+387 bps
Loan Growth (YoY)-19.28%-28.37%-33.77%-24.66%-15.58%-2.41%6.02%3.85%+2,850 bps
Share Growth (YoY)1.54%10.66%10.42%4.96%-1.36%-3.85%-0.28%12.80%+783 bps
Asset Quality
Delinquent Loans / Loans8.12%3.37%5.30%1.43%2.85%4.78%3.41%3.01%+158 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.83%0.90%0.95%0.93%0.98%0.38%0.69%0.71%-23 bps
Capital
Risk-Based Capitaln/an/an/an/an/a25.19%24.64%22.26%n/a
Net Worth / Assetsn/an/an/an/an/a25.19%24.64%22.26%n/a
Liquidity & Funding
Loans / Shares51.87%45.00%43.27%45.45%44.39%45.68%46.01%41.85%-361 bps
Liquid Assets / Assets55.87%56.79%60.29%61.43%0.00%63.57%63.42%65.80%+437 bps