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Allegan Teachers'

Allegan, MI · Charter 61997

Q4 1999

$406KAssets
$247KLoans
$334KShares
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 0.21%, down 255 bps year over year; NIM at 5.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 73.82% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.21%-255 bps YoY

Net Interest Margin (quarter, annualized)

5.77%

Efficiency Ratio (quarter, annualized)

96.29%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.76%2.76%2.63%2.07%0.21%-255 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.77%n/an/a
Efficiency Ration/an/an/an/a96.29%n/an/a
Growth
Asset Growth (YoY)-26.95%-25.74%-10.05%-12.42%-5.02%+2,193 bps
Loan Growth (YoY)-16.79%-24.97%-23.59%-33.08%-26.39%-960 bps
Share Growth (YoY)-31.31%-29.96%-12.68%-15.27%-3.63%+2,768 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.14%0.15%0.18%0.21%0.21%+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 / Shares96.63%94.29%80.78%70.72%73.82%-2,282 bps
Liquid Assets / Assets17.85%19.29%30.12%39.48%0.00%-1,785 bps