PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chicago Tube & Iron Co. Employees

Chicago, IL · Charter 65423

Q2 2000

$229KAssets
$33KLoans
$206KShares
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 -2.54%, down 572 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 3.37% of loans (-380 bps YoY).
  • Funding: loans stand at 16.05% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

-2.54%-572 bps YoY

Net Interest Margin (quarter, annualized)

3.12%

Efficiency Ratio (quarter, annualized)

100.31%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.18%2.81%2.05%0.25%-2.54%-572 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a2.48%3.12%n/a
Efficiency Ration/an/an/a90.78%100.31%n/a
Growth
Asset Growth (YoY)-4.08%31.18%35.54%20.61%9.32%+1,340 bps
Loan Growth (YoY)-44.69%-34.60%-27.63%-22.37%-11.86%+3,283 bps
Share Growth (YoY)-4.00%35.83%41.87%22.98%10.58%+1,458 bps
Asset Quality
Delinquent Loans / Loans7.18%7.69%0.00%0.00%3.37%-380 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.34%9.49%4.59%4.98%8.75%+41 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 / Shares20.13%19.09%17.35%16.98%16.05%-409 bps
Liquid Assets / Assets74.80%78.59%79.44%78.84%81.27%+647 bps