PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Baton Rouge

Baton Rouge, LA · Charter 23384

Q2 1999

$22KAssets
$3KLoans
$18KShares
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 -67.06%, down 6,757 bps year over year.
  • Asset quality: problem loans at 54.76% of loans (+1,878 bps YoY).
  • Funding: loans stand at 14.90% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

-67.06%-6,757 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 Assets0.50%2.47%-10.09%2.72%-67.06%-6,757 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)-4.47%13.55%7.18%-18.19%18.39%+2,286 bps
Loan Growth (YoY)7.65%96.25%172.67%-5.15%26.64%+1,899 bps
Share Growth (YoY)-7.58%11.40%14.34%-19.23%18.26%+2,584 bps
Asset Quality
Delinquent Loans / Loans35.98%11.91%5.14%10.90%54.76%+1,878 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans55.42%21.15%15.42%32.01%45.42%-1,000 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 / Shares13.91%30.61%41.38%21.86%14.90%+99 bps
Liquid Assets / Assets42.90%9.21%9.86%60.59%53.27%+1,037 bps