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Alt-Wood

Alton, IL · Charter 65258

Q4 1997

$9.2MAssets
$6.9MLoans
$8.7MShares
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 -0.52%, down 387 bps year over year.
  • Asset quality: problem loans at 6.25% of loans (+593 bps YoY).
  • Funding: loans stand at 79.19% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

-0.52%-387 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.35%3.28%3.10%-0.20%-0.52%-387 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/a33.70%33.30%28.42%15.68%n/a
Loan Growth (YoY)n/a116.07%95.80%52.35%27.01%n/a
Share Growth (YoY)n/a31.02%39.46%33.64%21.65%n/a
Asset Quality
Delinquent Loans / Loans0.32%0.60%6.38%4.44%6.25%+593 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.41%0.84%1.66%3.94%+329 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 / Shares75.85%97.26%90.47%76.70%79.19%+335 bps
Liquid Assets / Assets21.98%6.48%2.70%20.44%18.81%-317 bps