PackageTrendsPeer
Letter portraitLegal landscape

Mfa Employees

Columbia, MO · Charter 67728

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mfa Employees

Columbia, MO · Charter 67728

Q4 2001

$7.6MAssets
$6.6MLoans
$7.0MShares
$592KNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, up 5 bps year over year; NIM at 4.93%.
  • Asset quality: problem loans at 0.38% of loans (-29 bps YoY).
  • Capital: net worth / assets of 7.77%.
  • Funding: loans stand at 95.01% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.55%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.93%+31 bps YoY

Efficiency Ratio (YTD, annualized)

86.06%-142 bps YoY

Net Worth / Assets

7.77%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.62%3.26%3.25%0.51%0.34%0.46%0.32%0.55%+5 bps
Return on Equityn/an/an/an/an/a6.02%4.26%7.14%n/a
Net Interest Marginn/an/an/a4.62%4.87%4.69%4.66%4.93%+31 bps
Efficiency Ration/an/an/a87.48%91.59%90.53%90.29%86.06%-142 bps
Growth
Asset Growth (YoY)21.05%14.10%11.37%14.37%4.19%7.16%10.37%9.88%-448 bps
Loan Growth (YoY)9.94%1.14%1.94%15.31%23.55%23.69%16.84%9.94%-536 bps
Share Growth (YoY)20.41%14.49%11.68%12.96%3.89%6.64%10.06%11.92%-104 bps
Asset Quality
Delinquent Loans / Loans1.66%1.10%0.41%0.66%1.14%0.50%1.15%0.38%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.48%0.54%0.54%0.60%0.49%0.58%0.57%+3 bps
Capital
Risk-Based Capitaln/an/an/an/an/a7.71%7.42%7.77%n/a
Net Worth / Assetsn/an/an/an/an/a7.71%7.42%7.77%n/a
Liquidity & Funding
Loans / Shares85.01%80.89%88.37%96.72%101.10%93.83%93.81%95.01%-171 bps
Liquid Assets / Assets4.61%18.03%11.66%2.88%0.36%10.39%10.17%9.76%+688 bps