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Gentelcoe

Grinnell, IA · Charter 14964

Q4 1997

$1.2MAssets
$892KLoans
$1.1MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.78%, down 132 bps year over year.
  • Asset quality: problem loans at 2.73% of loans (+234 bps YoY).
  • Funding: loans stand at 81.18% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

1.78%-132 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.10%-6.30%-2.87%0.09%1.78%-132 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-9.37%-24.36%-19.33%-19.48%n/a
Loan Growth (YoY)n/a-11.26%-19.88%-16.49%-17.67%n/a
Share Growth (YoY)n/a-8.01%-20.80%-15.82%-16.68%n/a
Asset Quality
Delinquent Loans / Loans0.38%9.44%11.32%4.43%2.73%+234 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.60%9.77%10.73%3.18%1.78%-81 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares82.16%67.39%78.33%77.21%81.18%-98 bps
Liquid Assets / Assets22.65%32.21%18.09%17.35%20.39%-225 bps