Parshall, ND · Charter 62966
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Parshall, ND · Charter 62966
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.18% | 1.98% | 2.00% | 2.73% | 3.69% | +151 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.10% | -13.85% | -3.68% | -4.03% | -12.60% | -1,150 bps | |
| Loan Growth (YoY) | -8.51% | -9.65% | -11.47% | -20.96% | -29.69% | -2,118 bps | |
| Share Growth (YoY) | 0.64% | -15.44% | -0.98% | -2.89% | -13.62% | -1,426 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.57% | 6.41% | 4.73% | 4.60% | 10.63% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.17% | 6.58% | 4.73% | 5.35% | 8.29% | +113 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 | 83.33% | 105.46% | 92.69% | 77.83% | 67.84% | -1,550 bps | |
| Liquid Assets / Assets | 24.34% | 8.60% | 11.87% | 0.00% | 8.03% | -1,631 bps | |