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Decatur Purity Baking Co.

Decatur, IL · Charter 65276

Q4 1997

$1.1MAssets
$737KLoans
$1.1MShares
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 -1.19%, down 746 bps year over year.
  • Asset quality: problem loans at 18.00% of loans (+1,565 bps YoY).
  • Funding: loans stand at 66.61% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

-1.19%-746 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 Assets6.27%6.58%6.70%5.86%-1.19%-746 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/a6.29%2.53%2.08%-29.17%n/a
Loan Growth (YoY)n/a1.62%2.90%-20.16%-35.99%n/a
Share Growth (YoY)n/a3.28%-0.79%-1.44%-16.14%n/a
Asset Quality
Delinquent Loans / Loans2.35%1.35%2.19%9.49%18.00%+1,565 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.49%0.47%0.61%9.78%+930 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 / Shares87.27%88.97%95.24%73.24%66.61%-2,066 bps
Liquid Assets / Assets17.58%20.28%17.61%16.32%16.15%-143 bps