PackageTrendsPeer
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C.R. Square D

Cedar Rapids, IA · Charter 65075

Q1 2002

$7.7MAssets
$4.0MLoans
$6.8MShares
$715KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.72%, down 500 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.71% of loans (-358 bps YoY).
  • Capital: net worth / assets of 9.33%, down 143 bps from a year ago.
  • Funding: loans stand at 59.12% of shares as of Q1 2002.

Financial Results

Return on Assets (quarter, annualized)

-4.72%-500 bps YoY

Net Interest Margin (quarter, annualized)

4.50%-55 bps YoY

Efficiency Ratio (quarter, annualized)

155.76%+7,347 bps YoY

Net Worth / Assets

9.33%-143 bps YoY

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets0.28%-0.45%-0.22%-0.24%-4.72%-500 bps
Return on Equity2.60%-4.39%-2.19%-2.28%-50.59%-5,319 bps
Net Interest Margin5.05%4.94%4.66%4.66%4.50%-55 bps
Efficiency Ratio82.30%78.65%78.87%80.88%155.76%+7,347 bps
Growth
Asset Growth (YoY)5.00%11.85%14.95%8.83%-0.52%-552 bps
Loan Growth (YoY)9.18%-2.93%-9.38%-18.20%-29.23%-3,841 bps
Share Growth (YoY)5.05%13.01%15.52%12.85%0.38%-467 bps
Asset Quality
Delinquent Loans / Loans4.29%2.14%3.09%3.78%0.71%-358 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.60%1.49%1.44%1.89%0.75%-85 bps
Capital
Risk-Based Capital10.77%10.25%10.20%10.68%9.33%-143 bps
Net Worth / Assets10.77%10.25%10.20%10.68%9.33%-143 bps
Liquidity & Funding
Loans / Shares83.85%76.81%71.57%70.47%59.12%-2,473 bps
Liquid Assets / Assets21.09%27.81%32.43%32.99%25.43%+435 bps