Trout Creek, MT · Charter 6177
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.
Trout Creek, MT · Charter 6177
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 | 3.84% | 1.95% | 2.68% | 2.64% | -0.26% | -410 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 | 5.13% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 92.64% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.20% | -11.80% | 6.36% | 2.34% | 20.08% | +2,129 bps | |
| Loan Growth (YoY) | -2.97% | -30.65% | -22.45% | -8.46% | -1.21% | +176 bps | |
| Share Growth (YoY) | -2.43% | -3.83% | 6.78% | 15.02% | 23.27% | +2,571 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.38% | 19.87% | 13.95% | 12.25% | 13.31% | +93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 4.13% | 5.38% | 5.32% | 5.58% | +266 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 | 95.94% | 79.73% | 72.85% | 92.91% | 76.89% | -1,905 bps | |
| Liquid Assets / Assets | 6.01% | 17.21% | 30.69% | 12.73% | 0.00% | -601 bps | |