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Bemtex

Peoria, IL · Charter 60632

Q4 1997

$318KAssets
$239KLoans
$261KShares
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 1.59%, down 216 bps year over year.
  • Asset quality: problem loans at 2.98% of loans (+11 bps YoY).
  • Funding: loans stand at 91.67% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

1.59%-216 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.75%2.10%2.38%4.68%1.59%-216 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)n/a-3.49%-4.35%-6.78%-9.12%n/a
Loan Growth (YoY)n/a-21.39%-3.16%-4.21%0.39%n/a
Share Growth (YoY)n/a-6.56%-6.74%-10.46%-10.67%n/a
Asset Quality
Delinquent Loans / Loans2.87%6.17%9.44%4.18%2.98%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.88%1.17%0.98%0.31%-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 / Shares81.57%74.22%92.15%103.85%91.67%+1,010 bps
Liquid Assets / Assets25.35%32.05%17.07%13.92%19.49%-586 bps