St. Paul, MN · Charter 64870
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. Paul, MN · Charter 64870
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 | 0.68% | 0.43% | 1.13% | 0.86% | 0.86% | +18 bps | |
| Return on Equity | n/a | n/a | 10.10% | 8.52% | 8.07% | n/a | |
| Net Interest Margin | 4.64% | 5.27% | 5.87% | 5.24% | 5.51% | +88 bps | |
| Efficiency Ratio | 83.15% | 86.77% | 78.19% | 84.89% | 83.54% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.55% | 16.87% | 17.98% | 21.24% | 16.47% | -707 bps | |
| Loan Growth (YoY) | 0.72% | 16.40% | 26.44% | 25.36% | 22.84% | +2,211 bps | |
| Share Growth (YoY) | 24.17% | 17.02% | 17.71% | 21.18% | 15.56% | -860 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.50% | 0.53% | 0.79% | 1.15% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.65% | 0.76% | 0.44% | 0.71% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 11.18% | 10.13% | 10.62% | n/a | |
| Net Worth / Assets | n/a | n/a | 11.18% | 10.13% | 10.62% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.71% | 89.34% | 94.53% | 83.58% | 81.53% | +483 bps | |
| Liquid Assets / Assets | 0.00% | 0.49% | 12.63% | 22.15% | 15.93% | +1,593 bps | |