PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cass County Farm Bureau

Logansport, IN · Charter 64916

Q2 1998

$3.5MAssets
$2.3MLoans
$3.1MShares
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 3.40%, down 56 bps year over year.
  • Asset quality: problem loans at 0.74% of loans (-57 bps YoY).
  • Funding: loans stand at 74.74% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.40%-56 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 Assets3.96%3.97%3.70%3.80%3.40%-56 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)11.85%8.76%9.03%3.86%1.39%-1,047 bps
Loan Growth (YoY)39.98%10.68%-4.48%-11.73%-1.03%-4,101 bps
Share Growth (YoY)11.28%7.93%8.42%2.57%-0.01%-1,129 bps
Asset Quality
Delinquent Loans / Loans1.31%0.69%0.05%0.56%0.74%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.85%0.57%0.65%0.60%-35 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 / Shares75.50%71.80%70.59%66.23%74.74%-77 bps
Liquid Assets / Assets26.18%29.61%36.46%40.29%33.00%+682 bps