Sharon, PA · Charter 97
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.
Sharon, PA · Charter 97
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 | 0.23% | 0.98% | 1.14% | 0.34% | 0.05% | -19 bps | |
| Return on Equity | n/a | n/a | 6.14% | 1.94% | 0.31% | n/a | |
| Net Interest Margin | 2.62% | 3.95% | 3.84% | 3.03% | 2.60% | -2 bps | |
| Efficiency Ratio | 91.14% | 75.21% | 70.40% | 88.90% | 84.51% | -663 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.73% | -6.78% | -4.83% | 2.63% | 19.52% | +2,825 bps | |
| Loan Growth (YoY) | 18.80% | 40.43% | 41.91% | 67.78% | -0.01% | -1,881 bps | |
| Share Growth (YoY) | -15.52% | -9.39% | -9.49% | 1.15% | 26.76% | +4,229 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.29% | 3.14% | 3.30% | 4.38% | 3.26% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.80% | 2.42% | 2.55% | 2.48% | 3.06% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 18.54% | 17.43% | 15.22% | n/a | |
| Net Worth / Assets | n/a | n/a | 18.54% | 17.43% | 15.22% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.26% | 88.81% | 85.30% | 78.89% | 60.15% | -1,611 bps | |
| Liquid Assets / Assets | 34.56% | 25.13% | 14.30% | 34.97% | 32.13% | -243 bps | |