Umatilla, FL · Charter 61325
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.
Umatilla, FL · Charter 61325
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 | 1.26% | 1.38% | 1.07% | 0.96% | 0.31% | -94 bps | |
| Return on Equity | 6.46% | 7.15% | 5.01% | 4.10% | 1.04% | -541 bps | |
| Net Interest Margin | 3.19% | 3.39% | 3.41% | 3.48% | 4.43% | +124 bps | |
| Efficiency Ratio | 63.39% | 61.46% | 64.80% | 69.85% | 77.24% | +1,384 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.73% | -7.72% | -9.84% | -15.59% | -33.93% | -2,120 bps | |
| Loan Growth (YoY) | 5.25% | -1.36% | -2.96% | -24.95% | -44.06% | -4,931 bps | |
| Share Growth (YoY) | -16.58% | -11.12% | -13.49% | -17.42% | -42.49% | -2,591 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 4.08% | 3.24% | 4.38% | 7.30% | +546 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.13% | 4.95% | 5.23% | 5.68% | 9.81% | +468 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.43% | 19.37% | 21.42% | 23.34% | 29.72% | +1,029 bps | |
| Net Worth / Assets | 19.43% | 19.37% | 21.42% | 23.34% | 29.72% | +1,029 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.12% | 23.49% | 23.50% | 24.00% | 28.33% | -80 bps | |
| Liquid Assets / Assets | 76.00% | 80.43% | 80.53% | 80.36% | 78.61% | +261 bps | |