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St. John Presbyterian Church

Detroit, MI · Charter 61443

Q2 1999

$488KAssets
$230KLoans
$421KShares
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 0.33%, down 118 bps year over year.
  • Asset quality: problem loans at 15.71% of loans (+962 bps YoY).
  • Funding: loans stand at 54.60% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

0.33%-118 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets1.50%3.20%2.79%2.96%0.33%-118 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)19.94%20.69%1.32%-2.72%-5.34%-2,527 bps
Loan Growth (YoY)29.68%39.86%37.89%-5.58%-7.94%-3,762 bps
Share Growth (YoY)22.24%22.41%1.12%-4.63%-7.28%-2,952 bps
Asset Quality
Delinquent Loans / Loans6.08%14.70%12.95%15.26%15.71%+962 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.13%2.31%1.63%1.78%1.98%-15 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 / Shares55.00%55.24%56.62%55.93%54.60%-39 bps
Liquid Assets / Assets42.54%34.85%45.03%41.22%34.49%-805 bps