Frankenmuth, MI · Charter 60612
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Frankenmuth, MI · Charter 60612
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.38% | 4.08% | 3.99% | 3.96% | -1.29% | -567 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.40% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 136.28% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.23% | -0.03% | 2.69% | -2.53% | -7.73% | -750 bps | |
| Loan Growth (YoY) | 31.09% | 24.26% | 8.00% | -8.84% | -34.66% | -6,575 bps | |
| Share Growth (YoY) | -3.07% | -3.24% | 2.27% | -5.44% | -8.00% | -494 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 4.02% | 3.32% | 7.34% | 15.63% | +1,341 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.74% | 0.50% | 0.22% | 4.53% | +381 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.21% | 43.54% | 39.76% | 35.68% | 32.82% | -1,339 bps | |
| Liquid Assets / Assets | 26.52% | 24.50% | 15.30% | 44.21% | 45.85% | +1,932 bps | |