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Dow-Hanging Rock

Ironton, OH · Charter 19606

Q2 1999

$815KAssets
$161KLoans
$598KShares
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 2.13%, down 239 bps year over year.
  • Asset quality: problem loans at 0.67% of loans (-51 bps YoY).
  • Funding: loans stand at 26.88% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.13%-239 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.52%4.65%3.92%2.74%2.13%-239 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)2.56%2.91%-9.47%-8.97%-22.03%-2,459 bps
Loan Growth (YoY)-24.02%-39.58%-50.81%-61.68%-70.49%-4,648 bps
Share Growth (YoY)0.49%0.74%-14.40%-12.59%-28.38%-2,887 bps
Asset Quality
Delinquent Loans / Loans1.18%4.14%4.81%0.94%0.67%-51 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.18%0.95%0.72%1.00%0.62%+44 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 / Shares65.23%53.34%43.53%30.89%26.88%-3,836 bps
Liquid Assets / Assets42.12%49.59%60.21%67.14%71.39%+2,927 bps