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Western Resources

Wichita, KS · Charter 63764

Q4 1999

$3.8MAssets
$2.4MLoans
$3.3MShares
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 -1.64%, down 521 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.60% of loans (+36 bps YoY).
  • Funding: loans stand at 71.43% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-1.64%-521 bps YoY

Net Interest Margin (quarter, annualized)

3.73%

Efficiency Ratio (quarter, annualized)

132.13%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.57%3.29%3.55%2.38%-1.64%-521 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.73%n/an/a
Efficiency Ration/an/an/an/a132.13%n/an/a
Growth
Asset Growth (YoY)17.05%13.87%5.63%7.11%1.80%-1,525 bps
Loan Growth (YoY)19.53%13.12%6.21%-6.26%-16.98%-3,651 bps
Share Growth (YoY)18.54%15.98%5.63%6.85%3.13%-1,541 bps
Asset Quality
Delinquent Loans / Loans0.23%0.49%0.15%1.16%0.60%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.84%0.71%0.86%1.37%+63 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 / Shares88.73%81.08%86.22%72.24%71.43%-1,730 bps
Liquid Assets / Assets17.62%19.60%14.54%24.22%5.33%-1,229 bps