Craigmont, ID · Charter 82512
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.
Craigmont, ID · Charter 82512
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 | -0.07% | -7.71% | -2.34% | -5.32% | -1.70% | -163 bps | |
| Return on Equity | n/a | n/a | -22.52% | -59.25% | -19.05% | n/a | |
| Net Interest Margin | 4.61% | 5.41% | 6.36% | 6.57% | 5.87% | +126 bps | |
| Efficiency Ratio | 90.43% | 86.58% | 70.21% | 78.87% | 77.70% | -1,273 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.55% | 1.43% | 1.34% | -6.20% | -4.48% | -1,103 bps | |
| Loan Growth (YoY) | 4.49% | 10.23% | 12.97% | 30.95% | 0.59% | -390 bps | |
| Share Growth (YoY) | 7.78% | 6.38% | 4.86% | 0.94% | -0.42% | -820 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.46% | 12.18% | 12.82% | 13.27% | 8.87% | -159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 6.23% | 6.12% | 6.43% | 4.23% | +339 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 10.37% | 8.98% | 8.94% | n/a | |
| Net Worth / Assets | n/a | n/a | 10.37% | 8.98% | 8.94% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.09% | 81.78% | 88.14% | 96.85% | 75.85% | +76 bps | |
| Liquid Assets / Assets | 9.55% | 9.41% | 24.24% | 15.52% | 32.50% | +2,295 bps | |