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Letter portraitLegal landscapeQuarterYTD

Dolton-Riverdale Municipal

Dolton, IL · Charter 64396

Q4 1997

$843KAssets
$300KLoans
$697KShares
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 4.51%, down 107 bps year over year.
  • Asset quality: problem loans at 5.10% of loans (+154 bps YoY).
  • Funding: loans stand at 43.06% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.51%-107 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets5.58%0.73%3.47%5.21%4.51%-107 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-10.46%-12.32%-8.84%-5.25%n/a
Loan Growth (YoY)n/a-15.22%-15.60%-23.61%-42.19%n/a
Share Growth (YoY)n/a-12.66%-15.34%-11.49%-6.83%n/a
Asset Quality
Delinquent Loans / Loans3.56%1.03%1.22%1.62%5.10%+154 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.49%0.89%1.20%2.51%3.98%+149 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 / Shares69.40%59.65%53.67%54.89%43.06%-2,634 bps
Liquid Assets / Assets36.45%37.52%37.64%41.33%41.18%+473 bps