Leopold, MO · Charter 67763
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Leopold, MO · Charter 67763
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.49% | 0.53% | 0.37% | -37.60% | -30.25% | -3,274 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -345% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.67% | 4.52% | 9.64% | n/a | |
| Efficiency Ratio | n/a | n/a | 93.74% | 90.98% | 75.24% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.62% | 3.13% | -1.07% | -21.64% | -55.52% | -5,614 bps | |
| Loan Growth (YoY) | -2.08% | 7.72% | -3.55% | -29.96% | -51.54% | -4,946 bps | |
| Share Growth (YoY) | 0.74% | 3.31% | -1.86% | -8.44% | -50.51% | -5,125 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.86% | 26.48% | 27.57% | 45.62% | 11.47% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 3.07% | 3.37% | 28.35% | 11.88% | +968 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.76% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.76% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.20% | 106.66% | 101.04% | 83.42% | 96.15% | -205 bps | |
| Liquid Assets / Assets | 2.49% | 2.54% | 0.00% | 28.91% | 19.61% | +1,713 bps | |