PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Capital City

Columbus, OH · Charter 19262

Q4 1999

$677KAssets
$493KLoans
$706KShares
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 -7.96%, down 1,076 bps year over year; NIM at 8.31%.
  • Asset quality: problem loans at 20.56% of loans (+1,232 bps YoY).
  • Funding: loans stand at 69.92% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-7.96%-1,076 bps YoY

Net Interest Margin (quarter, annualized)

8.31%

Efficiency Ratio (quarter, annualized)

89.18%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.80%3.17%3.30%4.01%-7.96%-1,076 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a8.31%n/an/a
Efficiency Ration/an/an/an/a89.18%n/an/a
Growth
Asset Growth (YoY)-0.08%-7.51%0.19%2.60%-5.41%-533 bps
Loan Growth (YoY)13.71%9.27%3.90%-0.81%-20.49%-3,420 bps
Share Growth (YoY)1.12%-7.90%-1.56%2.64%2.92%+180 bps
Asset Quality
Delinquent Loans / Loans8.23%11.65%10.40%12.00%20.56%+1,232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.32%3.79%3.07%7.04%20.02%+1,570 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 / Shares90.50%86.36%80.12%73.02%69.92%-2,058 bps
Liquid Assets / Assets5.99%4.90%6.49%23.06%0.00%-599 bps