PackageTrendsPeer
Letter portraitLegal landscape

Albert Lea Interstate Employees

Albert Lea, MN · Charter 63572

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Albert Lea Interstate Employees

Albert Lea, MN · Charter 63572

Q4 2001

$899KAssets
$673KLoans
$695KShares
$204KNet Worth

Executive Summary

  • Earnings: ROA of 1.09%, up 5 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 1.84% of loans (+184 bps YoY).
  • Capital: net worth / assets of 22.73%.
  • Funding: loans stand at 96.91% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

1.09%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+10 bps YoY

Efficiency Ratio (YTD, annualized)

69.59%-18 bps YoY

Net Worth / Assets

22.73%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.62%4.45%3.96%1.04%1.75%1.35%1.75%1.09%+5 bps
Return on Equityn/an/an/an/an/a5.68%7.37%4.79%n/a
Net Interest Marginn/an/an/a3.45%4.13%4.21%4.18%3.54%+10 bps
Efficiency Ration/an/an/a69.78%59.65%68.75%58.59%69.59%-18 bps
Growth
Asset Growth (YoY)-12.81%3.94%10.39%4.07%-5.72%-18.07%-14.44%-6.97%-1,103 bps
Loan Growth (YoY)-20.07%-9.10%-6.72%2.79%-4.74%2.58%5.00%-2.23%-502 bps
Share Growth (YoY)-15.69%2.81%10.46%2.26%-9.92%-24.43%-20.50%-11.26%-1,351 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.13%0.22%0.48%1.84%+184 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.57%0.59%0.57%0.58%0.56%0.56%0.58%+1 bps
Capital
Risk-Based Capitaln/an/an/an/an/a23.82%23.80%22.73%n/a
Net Worth / Assetsn/an/an/an/an/a23.82%23.80%22.73%n/a
Liquidity & Funding
Loans / Shares94.08%82.59%81.04%87.97%99.49%112.12%107.04%96.91%+894 bps
Liquid Assets / Assets19.38%25.38%25.72%6.05%16.63%13.38%17.45%24.19%+1,815 bps