PackageTrendsPeer
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Ivanhoe

New Iberia, LA · Charter 15665

Q4 1998

$389KAssets
$238KLoans
$285KShares
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 3.34%, up 44 bps year over year.
  • Asset quality: problem loans at 0.45% of loans (-216 bps YoY).
  • Funding: loans stand at 83.39% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.34%+44 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.90%2.93%3.74%2.81%3.34%+44 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)4.15%3.40%4.90%9.58%12.98%+883 bps
Loan Growth (YoY)25.68%35.18%20.43%-1.68%-25.20%-5,089 bps
Share Growth (YoY)2.81%1.50%5.11%10.13%15.88%+1,307 bps
Asset Quality
Delinquent Loans / Loans2.61%0.09%0.00%0.41%0.45%-216 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.91%2.06%2.22%2.57%3.40%+149 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 / Shares129.19%134.58%134.91%118.96%83.39%-4,580 bps
Liquid Assets / Assets2.32%2.39%1.12%8.14%22.69%+2,037 bps