PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northeast Missouri

Kirksville, MO · Charter 64083

Q4 1999

$402KAssets
$133KLoans
$351KShares
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 0.07%, down 365 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (-326 bps YoY).
  • Funding: loans stand at 37.94% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.07%-365 bps YoY

Net Interest Margin (YTD, annualized)

3.94%

Efficiency Ratio (YTD, annualized)

98.22%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.72%2.30%2.93%2.67%0.07%-365 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.94%n/an/a
Efficiency Ration/an/an/an/a98.22%n/an/a
Growth
Asset Growth (YoY)-12.15%-6.24%-9.27%-12.88%-2.11%+1,004 bps
Loan Growth (YoY)38.85%16.96%21.58%-4.71%-26.41%-6,526 bps
Share Growth (YoY)-15.13%-7.85%-11.48%-15.28%-2.79%+1,234 bps
Asset Quality
Delinquent Loans / Loans3.26%0.08%1.22%0.00%0.00%-326 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%1.00%0.69%0.67%0.73%-14 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 / Shares50.12%42.14%38.49%42.81%37.94%-1,218 bps
Liquid Assets / Assets53.68%18.23%19.05%58.91%35.53%-1,815 bps