PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bell Tel

Orlando, FL · Charter 410

Q3 1999

$156.1MAssets
$101.0MLoans
$136.4MShares
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 0.55%, down 327 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.34% of loans (-32 bps YoY).
  • Funding: loans stand at 74.07% of shares as of Q3 1999.

Financial Results

Return on Assets (YTD, annualized)

0.55%-327 bps YoY

Net Interest Margin (YTD, annualized)

4.24%

Efficiency Ratio (YTD, annualized)

81.59%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets3.83%3.78%3.48%3.32%0.55%-327 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.24%n/an/a
Efficiency Ration/an/an/an/a81.59%n/an/a
Growth
Asset Growth (YoY)2.53%6.03%5.06%2.68%7.63%+510 bps
Loan Growth (YoY)4.94%2.96%3.92%5.76%11.74%+680 bps
Share Growth (YoY)1.32%5.43%3.74%2.27%7.91%+659 bps
Asset Quality
Delinquent Loans / Loans0.65%0.61%0.26%0.32%0.34%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%0.76%0.75%0.77%0.79%-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 / Shares71.53%70.59%66.61%72.53%74.07%+254 bps
Liquid Assets / Assets19.13%11.85%18.09%14.43%12.02%-711 bps