Albert Lea, MN · Charter 62794
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Albert Lea, MN · Charter 62794
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.91% | 0.38% | 0.30% | 1.09% | +132 bps | |
| Return on Equity | n/a | -14.74% | 6.62% | 5.28% | 18.32% | n/a | |
| Net Interest Margin | 5.03% | 5.01% | 4.68% | 4.91% | 4.68% | -35 bps | |
| Efficiency Ratio | 99.40% | 100.34% | 88.22% | 83.28% | 75.40% | -2,400 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.11% | 7.69% | 9.31% | 13.96% | 16.53% | -958 bps | |
| Loan Growth (YoY) | 33.94% | 42.24% | 46.81% | 39.65% | 19.32% | -1,463 bps | |
| Share Growth (YoY) | 27.79% | 9.09% | 6.69% | 9.62% | 17.69% | -1,011 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.36% | 2.98% | 1.25% | 1.25% | 2.20% | +84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 1.37% | 0.92% | 1.40% | 1.27% | +73 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 6.16% | 5.70% | 5.72% | 5.97% | n/a | |
| Net Worth / Assets | n/a | 6.16% | 5.70% | 5.72% | 5.97% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.62% | 87.98% | 92.54% | 93.00% | 79.71% | +109 bps | |
| Liquid Assets / Assets | 14.56% | 9.68% | 10.17% | 10.18% | 119.14% | +10,458 bps | |