PackageTrendsPeer
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Lormet Allied

Lorain, OH · Charter 63484

Q4 1999

$89.4MAssets
$21.5MLoans
$72.7MShares
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 0.65%, down 315 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.12% of loans (+4 bps YoY).
  • Funding: loans stand at 29.56% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.65%-315 bps YoY

Net Interest Margin (YTD, annualized)

3.19%

Efficiency Ratio (YTD, annualized)

81.90%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.80%3.42%3.22%0.70%0.65%-315 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.19%3.19%n/a
Efficiency Ration/an/an/a80.22%81.90%n/a
Growth
Asset Growth (YoY)3.06%2.28%3.60%2.31%1.84%-122 bps
Loan Growth (YoY)2.37%-1.50%-0.92%9.38%15.95%+1,358 bps
Share Growth (YoY)2.34%1.56%3.42%1.68%1.39%-95 bps
Asset Quality
Delinquent Loans / Loans0.07%0.18%0.23%0.14%0.12%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.31%0.24%0.21%0.19%-12 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 / Shares25.84%24.84%25.42%28.67%29.56%+371 bps
Liquid Assets / Assets38.88%26.36%18.82%11.48%13.52%-2,536 bps