PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River Dominion

Davenport, IA · Charter 64472

Q2 1998

$3.3MAssets
$2.4MLoans
$3.0MShares
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 3.24%, up 9 bps year over year.
  • Asset quality: problem loans at 2.34% of loans (+122 bps YoY).
  • Funding: loans stand at 78.82% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.24%+9 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.15%3.30%2.87%2.96%3.24%+9 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)6.59%2.21%-4.97%-1.49%-9.86%-1,645 bps
Loan Growth (YoY)17.98%16.29%8.74%6.28%-12.46%-3,044 bps
Share Growth (YoY)8.11%2.89%-7.05%-10.49%-10.93%-1,904 bps
Asset Quality
Delinquent Loans / Loans1.12%1.96%2.98%3.30%2.34%+122 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%0.98%1.28%1.76%1.39%+24 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 / Shares80.20%86.45%87.65%94.99%78.82%-138 bps
Liquid Assets / Assets12.04%11.45%11.13%12.25%8.39%-365 bps