Albert Lea, MN · Charter 63572
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.
Albert Lea, MN · Charter 63572
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 | 1.04% | 1.75% | 1.35% | 1.75% | 1.09% | +5 bps | |
| Return on Equity | n/a | n/a | 5.68% | 7.37% | 4.79% | n/a | |
| Net Interest Margin | 3.45% | 4.13% | 4.21% | 4.18% | 3.54% | +10 bps | |
| Efficiency Ratio | 69.78% | 59.65% | 68.75% | 58.59% | 69.59% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.07% | -5.72% | -18.07% | -14.44% | -6.97% | -1,103 bps | |
| Loan Growth (YoY) | 2.79% | -4.74% | 2.58% | 5.00% | -2.23% | -502 bps | |
| Share Growth (YoY) | 2.26% | -9.92% | -24.43% | -20.50% | -11.26% | -1,351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.13% | 0.22% | 0.48% | 1.84% | +184 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.58% | 0.56% | 0.56% | 0.58% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 23.82% | 23.80% | 22.73% | n/a | |
| Net Worth / Assets | n/a | n/a | 23.82% | 23.80% | 22.73% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.97% | 99.49% | 112.12% | 107.04% | 96.91% | +894 bps | |
| Liquid Assets / Assets | 6.05% | 16.63% | 13.38% | 17.45% | 24.19% | +1,815 bps | |