Council Bluff, IA · Charter 62272
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 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.
Council Bluff, IA · Charter 62272
Q3 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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.59% | -3.69% | 0.60% | 0.59% | -3.39% | -80 bps | |
| Return on Equity | n/a | -79.96% | 12.23% | 12.68% | -180.16% | n/a | |
| Net Interest Margin | 8.38% | 8.36% | 8.17% | 6.93% | 6.83% | -155 bps | |
| Efficiency Ratio | 88.48% | 89.98% | 84.80% | 88.12% | 139.11% | +5,063 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.58% | -11.81% | -15.75% | -1.38% | 1.98% | +2,056 bps | |
| Loan Growth (YoY) | -12.17% | -17.31% | -21.40% | -28.12% | -30.09% | -1,792 bps | |
| Share Growth (YoY) | -17.85% | -9.07% | -14.10% | 1.68% | 6.84% | +2,469 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.47% | 1.09% | 4.10% | 3.07% | 2.32% | -115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 2.47% | 3.05% | 2.98% | 1.23% | -196 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 4.61% | 4.90% | 4.62% | 1.88% | n/a | |
| Net Worth / Assets | n/a | 4.61% | 4.90% | 4.62% | 1.88% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.03% | 79.78% | 76.50% | 62.87% | 58.26% | -3,077 bps | |
| Liquid Assets / Assets | 0.00% | 16.99% | 19.89% | 33.38% | 35.48% | +3,548 bps | |