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Quad-Cities Pattern Makers

Moline, IL · Charter 17839

Q4 1999

$518KAssets
$436KLoans
$387KShares
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 0.01%, down 282 bps year over year; NIM at 5.71%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 112.54% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.01%-282 bps YoY

Net Interest Margin (quarter, annualized)

5.71%

Efficiency Ratio (quarter, annualized)

99.48%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.84%3.30%2.78%2.39%0.01%-282 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.71%n/an/a
Efficiency Ration/an/an/an/a99.48%n/an/a
Growth
Asset Growth (YoY)-4.92%-12.27%-13.84%-15.97%-17.95%-1,303 bps
Loan Growth (YoY)17.42%-16.42%-14.29%-15.76%-21.37%-3,879 bps
Share Growth (YoY)-5.77%-15.81%-17.68%-20.44%-22.90%-1,713 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.04%0.04%0.20%0.19%0.23%+19 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 / Shares110.35%95.30%100.61%115.17%112.54%+219 bps
Liquid Assets / Assets10.35%22.48%19.27%10.28%12.34%+199 bps