PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Harvest States Coops Employees

St. Paul, MN · Charter 64992

Q4 1997

$4.5MAssets
$3.7MLoans
$3.9MShares
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 4.76%, up 7 bps year over year.
  • Asset quality: problem loans at 0.03% of loans (-42 bps YoY).
  • Funding: loans stand at 95.52% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.76%+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 Assets4.69%4.61%4.80%4.70%4.76%+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-9.13%-1.50%10.83%14.68%n/a
Loan Growth (YoY)n/a-0.23%-0.24%5.55%18.45%n/a
Share Growth (YoY)n/a-12.39%-4.55%8.93%13.05%n/a
Asset Quality
Delinquent Loans / Loans0.45%0.56%0.10%0.00%0.03%-42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%1.02%1.13%1.06%0.96%-3 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 / Shares91.16%88.65%92.33%90.52%95.52%+435 bps
Liquid Assets / Assets13.42%9.22%7.34%19.98%9.84%-358 bps