Bell, CA · Charter 17494
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Bell, CA · Charter 17494
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.75% | 2.70% | 0.55% | 2.28% | +90 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 6.16% | -5.04% | -4.16% | -7.66% | -7.75% | -1,391 bps | |
| Loan Growth (YoY) | 13.11% | 8.05% | 1.06% | -6.63% | -19.81% | -3,291 bps | |
| Share Growth (YoY) | 7.09% | -4.42% | -4.30% | -7.06% | -9.22% | -1,631 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 1.09% | 3.07% | 3.61% | 3.85% | +371 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 1.33% | 1.29% | 2.70% | 1.22% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.02% | 106.59% | 104.57% | 92.77% | 89.24% | -1,178 bps | |
| Liquid Assets / Assets | 9.06% | 3.62% | 4.37% | 13.91% | 14.76% | +570 bps | |