PackageTrendsPeer
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Glenbrook

Northbrook, IL · Charter 60277

Q4 1999

$23.4MAssets
$15.1MLoans
$20.5MShares
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 1.37%, down 262 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.01% of loans (-219 bps YoY).
  • Funding: loans stand at 73.66% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

1.37%-262 bps YoY

Net Interest Margin (quarter, annualized)

4.70%

Efficiency Ratio (quarter, annualized)

69.59%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.00%3.65%3.86%3.45%1.37%-262 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.70%n/an/a
Efficiency Ration/an/an/an/a69.59%n/an/a
Growth
Asset Growth (YoY)19.00%17.44%8.78%8.41%4.13%-1,488 bps
Loan Growth (YoY)17.47%15.48%8.89%8.71%12.28%-519 bps
Share Growth (YoY)16.23%13.93%7.05%7.49%1.36%-1,486 bps
Asset Quality
Delinquent Loans / Loans2.20%1.74%1.42%1.27%0.01%-219 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.91%0.86%0.80%0.91%0.70%-20 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 / Shares66.50%58.26%65.58%59.82%73.66%+716 bps
Liquid Assets / Assets17.87%21.33%21.34%21.25%9.30%-857 bps