Vancouver, WA · Charter 68260
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.
Vancouver, WA · Charter 68260
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 | 0.37% | 0.58% | 0.42% | -0.06% | 0.02% | -35 bps | |
| Return on Equity | n/a | n/a | 5.39% | -0.77% | 0.21% | n/a | |
| Net Interest Margin | 6.14% | 6.60% | 6.60% | 6.17% | 7.00% | +86 bps | |
| Efficiency Ratio | 95.23% | 92.74% | 93.09% | 92.67% | 93.95% | -127 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.46% | -7.27% | -11.41% | -6.56% | -12.02% | -756 bps | |
| Loan Growth (YoY) | -4.91% | 0.19% | -8.37% | -11.23% | -8.98% | -407 bps | |
| Share Growth (YoY) | -6.09% | -9.24% | -13.06% | -7.04% | -12.84% | -675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.16% | 0.82% | 2.94% | 3.57% | 1.46% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.63% | 0.72% | 0.86% | 1.07% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 7.77% | 7.59% | 8.37% | n/a | |
| Net Worth / Assets | n/a | n/a | 7.77% | 7.59% | 8.37% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.95% | 86.25% | 86.59% | 81.50% | 92.88% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 10.22% | 15.65% | 20.15% | 10.91% | +1,091 bps | |