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Etowah Steelworkers

Gadsden, AL · Charter 67254

Q4 2000

$165.8MAssets
$106.8MLoans
$150.1MShares
$14.1MNet 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 -0.97%, down 162 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 4.25% of loans (+70 bps YoY).
  • Capital: net worth / assets of 8.50%.
  • Funding: loans stand at 71.12% of shares as of Q4 2000.

Financial Results

Return on Assets (quarter, annualized)

-0.97%-162 bps YoY

Net Interest Margin (quarter, annualized)

3.72%-14 bps YoY

Efficiency Ratio (quarter, annualized)

67.04%+484 bps YoY

Net Worth / Assets

8.50%

Discrete quarter, annualized.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets0.64%0.30%0.55%-1.36%-0.97%-162 bps
Return on Equityn/an/an/an/a-11.46%n/an/a
Net Interest Margin3.86%4.16%4.04%4.00%3.72%-14 bps
Efficiency Ratio62.21%62.71%62.74%64.61%67.04%+484 bps
Growth
Asset Growth (YoY)-0.39%-2.52%-4.59%-4.44%0.83%+122 bps
Loan Growth (YoY)-3.66%-3.86%-3.38%-3.40%-5.85%-218 bps
Share Growth (YoY)-0.86%-2.61%-5.41%-3.83%2.46%+333 bps
Asset Quality
Delinquent Loans / Loans3.55%3.11%3.15%1.86%4.25%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%2.16%2.14%2.02%1.87%+97 bps
Capital
Risk-Based Capitaln/an/an/an/a8.50%n/an/a
Net Worth / Assetsn/an/an/an/a8.50%n/an/a
Liquidity & Funding
Loans / Shares77.40%76.66%76.73%76.66%71.12%-628 bps
Liquid Assets / Assets14.83%15.57%2.55%4.30%19.26%+443 bps