Terre Haute, IN · Charter 9238
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Terre Haute, IN · Charter 9238
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.79% | 1.60% | 0.03% | -2.41% | -1.06% | -285 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -3.92% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.60% | 5.74% | 6.67% | n/a | |
| Efficiency Ratio | n/a | n/a | 98.88% | 94.18% | 91.50% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.98% | -9.90% | -10.64% | -6.74% | -13.65% | -467 bps | |
| Loan Growth (YoY) | 7.59% | 13.53% | 4.74% | 15.34% | -15.75% | -2,334 bps | |
| Share Growth (YoY) | -11.24% | -12.54% | -13.59% | -7.36% | -17.08% | -584 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 1.81% | 1.73% | 0.89% | 1.28% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.54% | 0.59% | 0.23% | 0.64% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 27.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 27.04% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.36% | 94.55% | 95.45% | 100.22% | 104.01% | +164 bps | |
| Liquid Assets / Assets | 15.68% | 20.78% | 0.00% | 0.00% | 22.37% | +669 bps | |