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Livonia Community

Livonia, MI · Charter 61883

Q4 1998

$46.7MAssets
$33.2MLoans
$43.1MShares
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 3.29%, up 8 bps year over year.
  • Asset quality: problem loans at 0.71% of loans (-62 bps YoY).
  • Funding: loans stand at 76.99% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.29%+8 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.21%3.08%3.13%3.60%3.29%+8 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)19.17%17.28%23.87%29.45%29.66%+1,048 bps
Loan Growth (YoY)30.82%34.92%40.82%39.65%15.04%-1,578 bps
Share Growth (YoY)17.80%16.09%25.80%30.86%33.26%+1,546 bps
Asset Quality
Delinquent Loans / Loans1.32%1.38%1.20%1.00%0.71%-62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.23%0.98%0.96%0.72%-38 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 / Shares89.18%88.85%86.91%82.12%76.99%-1,220 bps
Liquid Assets / Assets11.15%9.76%9.01%12.07%2.79%-836 bps