Whitehall, MT · Charter 20471
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Whitehall, MT · Charter 20471
Q2 1997
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.71% | 4.15% | 3.97% | 4.07% | 4.01% | +30 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) | n/a | n/a | 24.22% | 16.48% | 14.33% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 37.41% | 25.88% | 37.23% | n/a | |
| Share Growth (YoY) | n/a | n/a | 23.08% | 14.37% | 12.16% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 1.39% | 1.11% | 1.10% | 0.00% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 0.90% | 0.82% | 0.91% | 0.99% | -30 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 | 72.38% | 89.23% | 87.75% | 92.84% | 88.56% | +1,618 bps | |
| Liquid Assets / Assets | 25.20% | 9.32% | 14.85% | 10.58% | 14.55% | -1,066 bps | |