PackageTrendsPeer
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St. Bernard's

Jonesboro, AR · Charter 20704

Q4 1999

$970KAssets
$252KLoans
$837KShares
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 0.20%, down 282 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 5.06% of loans (+394 bps YoY).
  • Funding: loans stand at 30.17% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.20%-282 bps YoY

Net Interest Margin (YTD, annualized)

3.84%

Efficiency Ratio (YTD, annualized)

87.72%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.02%2.15%2.41%1.98%0.20%-282 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.84%n/an/a
Efficiency Ration/an/an/an/a87.72%n/an/a
Growth
Asset Growth (YoY)-1.07%0.36%8.98%9.47%7.00%+806 bps
Loan Growth (YoY)-36.06%-41.86%-32.20%-30.12%-8.35%+2,772 bps
Share Growth (YoY)-3.10%0.00%10.14%9.99%8.33%+1,143 bps
Asset Quality
Delinquent Loans / Loans1.12%0.86%1.46%2.81%5.06%+394 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.75%3.23%2.69%3.23%2.54%+79 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 / Shares35.66%27.08%33.58%22.38%30.17%-549 bps
Liquid Assets / Assets46.86%63.69%52.71%59.55%47.87%+101 bps