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Placer Nevada Grange

Auburn, CA · Charter 64456

Q4 1999

$607KAssets
$489KLoans
$586KShares
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 0.33%, down 500 bps year over year; NIM at 5.88%.
  • Asset quality: problem loans at 8.26% of loans (+785 bps YoY).
  • Funding: loans stand at 83.39% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.33%-500 bps YoY

Net Interest Margin (quarter, annualized)

5.88%

Efficiency Ratio (quarter, annualized)

95.04%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets5.33%3.08%2.86%3.73%0.33%-500 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.88%n/an/a
Efficiency Ration/an/an/an/a95.04%n/an/a
Growth
Asset Growth (YoY)-5.67%-10.59%-8.69%-8.66%-18.01%-1,234 bps
Loan Growth (YoY)-17.57%-27.68%-24.04%-16.80%-14.10%+346 bps
Share Growth (YoY)-6.45%-11.32%-7.87%-7.85%-17.74%-1,130 bps
Asset Quality
Delinquent Loans / Loans0.40%2.21%6.68%0.00%8.26%+785 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.43%2.77%2.75%2.74%2.84%+42 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 / Shares79.85%77.61%77.37%77.26%83.39%+353 bps
Liquid Assets / Assets17.87%15.82%18.59%23.81%18.08%+21 bps