Pratt, KS · Charter 67823
Q4 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pratt, KS · Charter 67823
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | 0.51% | -0.12% | -0.78% | -2.71% | -213 bps | |
| Return on Equity | n/a | n/a | -0.88% | -6.23% | -23.96% | n/a | |
| Net Interest Margin | 6.08% | 6.29% | 5.88% | 4.47% | 4.89% | -119 bps | |
| Efficiency Ratio | 106.08% | 93.15% | 101.74% | 114.39% | 121.06% | +1,498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.03% | 5.20% | 8.22% | 9.53% | 0.40% | +43 bps | |
| Loan Growth (YoY) | -5.43% | 7.13% | -5.24% | -22.85% | -14.95% | -951 bps | |
| Share Growth (YoY) | 0.36% | 6.56% | 10.44% | 11.65% | 3.90% | +354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 1.90% | 5.20% | 6.42% | 7.52% | +519 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.41% | 1.74% | 2.08% | 3.96% | +268 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 13.72% | 12.48% | 11.33% | n/a | |
| Net Worth / Assets | n/a | n/a | 13.72% | 12.48% | 11.33% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.68% | 101.43% | 83.41% | 64.91% | 79.15% | -1,754 bps | |
| Liquid Assets / Assets | 1.95% | 0.00% | 26.20% | 32.87% | 19.61% | +1,766 bps | |