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Iron Workers Local 14

Spokane, WA · Charter 68320

Q2 2001

$1.7MAssets
$1.3MLoans
$1.5MShares
$132KNet Worth

Executive Summary

  • Earnings: ROA of -2.07%, down 451 bps year over year; NIM at 6.17%.
  • Asset quality: problem loans at 4.79% of loans (+361 bps YoY).
  • Capital: net worth / assets of 7.81%.
  • Funding: loans stand at 84.60% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-2.07%-451 bps YoY

Net Interest Margin (YTD, annualized)

6.17%

Efficiency Ratio (YTD, annualized)

76.14%

Net Worth / Assets

7.81%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.32%2.50%2.29%2.44%0.11%0.09%1.82%-2.07%-451 bps
Return on Equityn/an/an/an/an/an/a21.17%-26.54%n/a
Net Interest Marginn/an/an/an/a5.28%5.67%6.06%6.17%n/a
Efficiency Ration/an/an/an/a83.06%90.01%70.03%76.14%n/a
Growth
Asset Growth (YoY)n/an/an/an/a26.04%-1.48%-1.01%-7.09%n/a
Loan Growth (YoY)n/an/an/an/a31.07%25.13%47.98%12.94%n/a
Share Growth (YoY)n/an/an/an/a23.05%-0.79%-1.14%-8.67%n/a
Asset Quality
Delinquent Loans / Loans1.79%4.55%1.12%1.17%2.87%5.82%4.74%4.79%+361 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.34%1.26%1.08%1.12%1.73%1.31%1.46%2.41%+129 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a8.59%7.81%n/a
Net Worth / Assetsn/an/an/an/an/an/a8.59%7.81%n/a
Liquidity & Funding
Loans / Shares81.31%67.18%64.92%68.41%86.61%84.73%97.17%84.60%+1,619 bps
Liquid Assets / Assets19.42%31.81%38.50%0.00%0.00%21.70%13.16%25.42%+2,542 bps