Chapman, AL · Charter 61702
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Chapman, AL · Charter 61702
Q4 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.41% | 5.65% | 6.02% | 1.33% | 1.33% | -407 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.71% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.07% | 4.07% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 67.51% | 67.51% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 19.61% | 18.54% | 21.45% | 12.75% | 7.26% | -1,236 bps | |
| Loan Growth (YoY) | 7.66% | 6.02% | 22.45% | 17.64% | 16.63% | +897 bps | |
| Share Growth (YoY) | 19.02% | 18.43% | 21.99% | 12.08% | 3.09% | -1,592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 3.73% | 2.45% | 1.63% | 1.63% | -126 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 2.06% | 1.84% | 1.91% | 1.91% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 13.74% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 13.74% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.76% | 99.32% | 113.33% | 113.99% | 113.99% | +1,323 bps | |
| Liquid Assets / Assets | 3.60% | 2.12% | 2.13% | 0.00% | 0.00% | -360 bps | |