Gray, LA · Charter 62887
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.
Gray, LA · Charter 62887
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 | 0.42% | 0.11% | 0.46% | 0.25% | 0.43% | +1 bps | |
| Return on Equity | n/a | n/a | 2.75% | 1.45% | 2.77% | n/a | |
| Net Interest Margin | 3.58% | 9.87% | 9.91% | 8.10% | 7.14% | +356 bps | |
| Efficiency Ratio | 69.61% | 50.84% | 55.24% | 70.56% | 73.83% | +422 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.96% | 15.63% | -1.35% | -8.00% | -1.11% | -2,707 bps | |
| Loan Growth (YoY) | 29.07% | 17.93% | -7.07% | -16.13% | -31.80% | -6,087 bps | |
| Share Growth (YoY) | 29.06% | 18.23% | -1.64% | -9.60% | -0.72% | -2,978 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.51% | 6.14% | 6.49% | 4.05% | 2.40% | -711 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 1.02% | 2.89% | 2.73% | 1.71% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 16.88% | 17.09% | 15.63% | n/a | |
| Net Worth / Assets | n/a | n/a | 16.88% | 17.09% | 15.63% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.92% | 74.30% | 77.92% | 71.06% | 54.21% | -2,470 bps | |
| Liquid Assets / Assets | 12.04% | 12.68% | 20.82% | 28.81% | 54.50% | +4,246 bps | |