Lebanon, IN · Charter 17427
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 | 3.51% | 2.09% | 2.36% | 0.63% | 0.65% | -286 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.45% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.85% | 3.85% | 4.15% | n/a | |
| Efficiency Ratio | n/a | n/a | 59.74% | 83.55% | 84.40% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -19.21% | -25.52% | -21.61% | -13.96% | -4.66% | +1,455 bps | |
| Loan Growth (YoY) | -43.33% | -44.86% | -67.84% | -52.32% | -51.60% | -826 bps | |
| Share Growth (YoY) | -25.07% | -32.07% | -27.85% | -18.12% | -7.14% | +1,793 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.67% | 12.84% | 10.15% | 14.46% | 21.89% | +1,922 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 3.24% | 2.51% | 1.69% | 5.52% | +297 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 26.49% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 26.49% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.33% | 20.62% | 15.61% | 20.67% | 13.20% | -1,213 bps | |
| Liquid Assets / Assets | 80.68% | 84.42% | 80.62% | 84.17% | 90.24% | +956 bps | |