PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Purina Cincinnati Employees

Cincinnati, OH · Charter 63339

Q2 2001

$498KAssets
$284KLoans
$335KShares
$155KNet 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 0.05%, down 520 bps year over year; NIM at 5.88%.
  • Asset quality: problem loans at 12.40% of loans (+1,108 bps YoY).
  • Capital: net worth / assets of 31.16%.
  • Funding: loans stand at 84.76% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.05%-520 bps YoY

Net Interest Margin (YTD, annualized)

5.88%

Efficiency Ratio (YTD, annualized)

99.15%

Net Worth / Assets

31.16%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets5.25%0.53%0.21%0.02%0.05%-520 bps
Return on Equityn/an/an/a0.08%0.16%n/a
Net Interest Marginn/a3.60%3.45%2.94%5.88%n/a
Efficiency Ration/a85.20%94.06%99.15%99.15%n/a
Growth
Asset Growth (YoY)-21.83%-14.97%-17.82%-14.90%0.74%+2,257 bps
Loan Growth (YoY)-14.71%15.99%17.18%-23.64%-25.02%-1,031 bps
Share Growth (YoY)-29.91%-20.06%-24.88%-20.52%1.71%+3,161 bps
Asset Quality
Delinquent Loans / Loans1.32%1.34%0.00%12.40%12.40%+1,108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.22%1.84%1.91%1.03%1.03%-120 bps
Capital
Risk-Based Capitaln/an/an/a31.16%31.16%n/a
Net Worth / Assetsn/an/an/a31.16%31.16%n/a
Liquidity & Funding
Loans / Shares114.98%127.62%129.80%84.76%84.76%-3,022 bps
Liquid Assets / Assets2.19%0.72%0.72%42.50%42.50%+4,032 bps