PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bird and Beaker

Clinton, IA · Charter 61921

Q2 1999

$1.5MAssets
$955KLoans
$1.2MShares
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 4.36%, down 25 bps year over year.
  • Asset quality: problem loans at 1.09% of loans (+11 bps YoY).
  • Funding: loans stand at 78.66% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

4.36%-25 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 Assets4.61%4.84%4.34%4.40%4.36%-25 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)13.67%11.92%10.74%13.96%16.05%+238 bps
Loan Growth (YoY)25.72%11.11%2.83%-3.33%-9.33%-3,505 bps
Share Growth (YoY)14.22%14.15%10.89%14.99%17.57%+335 bps
Asset Quality
Delinquent Loans / Loans0.98%2.38%1.56%1.42%1.09%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.08%1.35%1.68%1.66%2.18%+109 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 / Shares101.99%99.03%90.18%89.75%78.66%-2,333 bps
Liquid Assets / Assets16.01%18.99%25.39%26.56%34.52%+1,851 bps