Marshalltown, IA · Charter 64919
Q4 2002
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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | -62.89% | -32.64% | -23.65% | -18.88% | -1,815 bps | |
| Return on Equity | -3.28% | -504% | -234% | -160.73% | -112.44% | -10,916 bps | |
| Net Interest Margin | 2.47% | 3.50% | 4.51% | 5.25% | 6.01% | +353 bps | |
| Efficiency Ratio | 128.64% | 134.53% | 101.67% | 79.98% | 74.23% | -5,442 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.51% | -24.58% | -30.85% | -32.56% | -36.89% | -3,638 bps | |
| Loan Growth (YoY) | -17.10% | -12.85% | -15.01% | -14.12% | -22.73% | -563 bps | |
| Share Growth (YoY) | 0.56% | -14.55% | -24.21% | -25.95% | -32.15% | -3,270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.91% | 44.21% | 59.27% | 68.95% | 70.27% | +4,436 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 29.20% | 31.39% | 35.96% | 38.12% | +3,653 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.42% | 12.48% | 13.94% | 14.72% | 16.79% | -563 bps | |
| Net Worth / Assets | 22.42% | 12.48% | 13.94% | 14.72% | 16.79% | -563 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.08% | 64.18% | 64.13% | 64.23% | 68.43% | +834 bps | |
| Liquid Assets / Assets | 52.20% | 57.71% | 59.58% | 62.32% | 61.94% | +974 bps | |