Liberty, MO · Charter 64366
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.
Liberty, MO · Charter 64366
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 | 0.17% | 1.45% | 1.02% | 0.36% | -9.51% | -968 bps | |
| Return on Equity | n/a | n/a | 5.74% | 1.72% | -77.74% | n/a | |
| Net Interest Margin | 4.79% | 5.68% | 5.77% | 5.17% | 4.73% | -6 bps | |
| Efficiency Ratio | 58.94% | 60.30% | 63.89% | 67.75% | 74.94% | +1,600 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.19% | -3.13% | -10.06% | -26.47% | -30.74% | -3,793 bps | |
| Loan Growth (YoY) | 4.89% | -5.71% | -15.61% | -32.87% | -33.60% | -3,848 bps | |
| Share Growth (YoY) | 6.98% | -5.83% | -13.61% | -31.76% | -28.96% | -3,594 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.37% | 9.12% | 3.72% | 35.43% | 40.07% | +3,370 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.39% | 5.60% | 6.51% | 8.54% | 21.87% | +1,747 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 17.80% | 20.70% | 12.23% | n/a | |
| Net Worth / Assets | n/a | n/a | 17.80% | 20.70% | 12.23% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.95% | 91.00% | 92.18% | 89.79% | 85.96% | -600 bps | |
| Liquid Assets / Assets | 0.00% | 18.75% | 28.17% | 34.50% | 39.30% | +3,930 bps | |