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Olean General

Olean, NY · Charter 22788

Q2 2000

$1.2MAssets
$1.2MLoans
$1.1MShares
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 0.58%, down 366 bps year over year; NIM at 6.32%.
  • Asset quality: problem loans at 1.66% of loans (-122 bps YoY).
  • Funding: loans stand at 104.07% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.58%-366 bps YoY

Net Interest Margin (quarter, annualized)

6.32%

Efficiency Ratio (quarter, annualized)

91.26%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.24%5.20%4.27%0.70%0.58%-366 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.84%6.32%n/a
Efficiency Ration/an/an/a72.17%91.26%n/a
Growth
Asset Growth (YoY)28.56%33.20%39.85%26.02%-1.24%-2,980 bps
Loan Growth (YoY)33.27%21.91%4.38%28.58%24.83%-844 bps
Share Growth (YoY)29.68%33.56%40.73%25.81%1.32%-2,836 bps
Asset Quality
Delinquent Loans / Loans2.88%3.86%4.97%6.60%1.66%-122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.65%1.51%1.52%1.71%1.73%+7 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 / Shares84.46%101.00%78.16%97.05%104.07%+1,960 bps
Liquid Assets / Assets19.71%1.72%26.55%0.00%0.93%-1,878 bps