Lawrence, KS · Charter 62439
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.
Lawrence, KS · Charter 62439
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.90% | 0.52% | 0.85% | 0.93% | +60 bps | |
| Return on Equity | n/a | n/a | 8.04% | 12.22% | 12.38% | n/a | |
| Net Interest Margin | 3.91% | 4.16% | 3.70% | 3.81% | 3.84% | -7 bps | |
| Efficiency Ratio | 63.36% | 68.54% | 70.95% | 71.98% | 70.97% | +761 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.26% | 15.40% | 31.24% | 17.52% | 17.59% | -167 bps | |
| Loan Growth (YoY) | 2.71% | 14.23% | 45.48% | 51.59% | 25.08% | +2,237 bps | |
| Share Growth (YoY) | 15.76% | 16.50% | 30.52% | 13.83% | 20.20% | +444 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 1.58% | 1.22% | 1.64% | 1.33% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.84% | 0.86% | 0.87% | 0.61% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 6.42% | 6.91% | 7.50% | n/a | |
| Net Worth / Assets | n/a | n/a | 6.42% | 6.91% | 7.50% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.43% | 87.81% | 106.05% | 99.22% | 90.98% | +355 bps | |
| Liquid Assets / Assets | 0.00% | 2.28% | 6.72% | 110.41% | 115.35% | +11,535 bps | |