Gadsden, AL · Charter 68230
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Gadsden, AL · Charter 68230
Q1 2002
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.69% | 0.78% | 0.79% | 0.58% | -9 bps | |
| Return on Equity | 6.84% | 7.01% | 7.84% | 7.72% | 5.75% | -108 bps | |
| Net Interest Margin | 3.77% | 3.73% | 3.83% | 3.94% | 4.03% | +26 bps | |
| Efficiency Ratio | 79.02% | 77.67% | 76.30% | 76.72% | 79.40% | +37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.84% | 3.48% | 5.16% | 5.47% | 4.29% | +245 bps | |
| Loan Growth (YoY) | 2.21% | 0.84% | 1.88% | 3.35% | 4.91% | +270 bps | |
| Share Growth (YoY) | 1.71% | 3.46% | 5.59% | 6.31% | 6.93% | +522 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.57% | 1.77% | 1.43% | 1.56% | 1.40% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.99% | 1.00% | 1.00% | 1.00% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 9.85% | 9.98% | 10.25% | 10.12% | +35 bps | |
| Net Worth / Assets | 9.77% | 9.85% | 9.98% | 10.25% | 10.12% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.94% | 83.75% | 84.45% | 86.56% | 82.35% | -158 bps | |
| Liquid Assets / Assets | 20.67% | 22.69% | 18.87% | 13.94% | 13.71% | -696 bps | |