PackageTrendsPeer
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Pana Area

Pana, IL · Charter 64700

Q4 1997

$1.4MAssets
$655KLoans
$1.3MShares
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 1.04%, down 7 bps year over year.
  • Asset quality: problem loans at 5.45% of loans (+232 bps YoY).
  • Funding: loans stand at 51.90% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

1.04%-7 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 Assets1.12%2.93%1.87%0.84%1.04%-7 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-24.05%-25.87%-9.32%-9.41%n/a
Loan Growth (YoY)n/a41.90%79.00%82.50%27.78%n/a
Share Growth (YoY)n/a-23.78%-25.87%-7.47%-7.77%n/a
Asset Quality
Delinquent Loans / Loans3.13%4.53%5.40%5.00%5.45%+232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.93%2.62%2.91%3.74%3.63%-30 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 / Shares37.46%52.33%68.84%58.84%51.90%+1,444 bps
Liquid Assets / Assets64.19%48.95%32.56%43.22%44.79%-1,940 bps