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Brylane Associates

Indianapolis, IN · Charter 60371

Q2 1999

$4.3MAssets
$1.5MLoans
$3.7MShares
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 3.11%, down 26 bps year over year.
  • Asset quality: problem loans at 1.01% of loans (-90 bps YoY).
  • Funding: loans stand at 40.60% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

3.11%-26 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.37%3.60%3.37%3.55%3.11%-26 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)-6.19%-6.58%4.57%2.62%5.45%+1,164 bps
Loan Growth (YoY)-28.60%-28.50%-28.12%-3.14%2.30%+3,091 bps
Share Growth (YoY)-7.28%-7.06%5.09%2.69%5.98%+1,327 bps
Asset Quality
Delinquent Loans / Loans1.92%1.58%1.03%1.13%1.01%-90 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.78%1.94%1.89%1.74%1.81%+3 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 / Shares42.06%45.51%38.05%44.62%40.60%-146 bps
Liquid Assets / Assets58.31%58.76%57.42%58.94%62.21%+390 bps