St Cloud, MN · Charter 64615
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.
St Cloud, MN · Charter 64615
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 | 1.28% | 1.36% | 1.29% | 0.93% | 1.14% | -13 bps | |
| Return on Equity | n/a | n/a | 6.13% | 4.57% | 5.92% | n/a | |
| Net Interest Margin | 4.12% | 4.32% | 4.56% | 4.24% | 4.04% | -8 bps | |
| Efficiency Ratio | 68.02% | 66.64% | 70.08% | 78.24% | 71.97% | +396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.54% | 8.50% | 10.03% | 3.42% | 15.48% | -307 bps | |
| Loan Growth (YoY) | 21.12% | 18.80% | 14.86% | -0.08% | -7.71% | -2,882 bps | |
| Share Growth (YoY) | 18.94% | 7.05% | 8.27% | 0.35% | 15.13% | -381 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 0.98% | 1.03% | 0.75% | 0.80% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 21.09% | 20.43% | 19.31% | n/a | |
| Net Worth / Assets | n/a | n/a | 21.09% | 20.43% | 19.31% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.45% | 91.30% | 98.63% | 84.88% | 73.31% | -1,814 bps | |
| Liquid Assets / Assets | 11.56% | 20.60% | 19.97% | 22.43% | 31.27% | +1,971 bps | |