PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Backus Hospital Employees

Norwich, CT · Charter 65818

Q4 1999

$3.8MAssets
$2.0MLoans
$3.5MShares
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 1.24%, down 121 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 3.07% of loans (+245 bps YoY).
  • Funding: loans stand at 57.30% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

1.24%-121 bps YoY

Net Interest Margin (quarter, annualized)

4.62%

Efficiency Ratio (quarter, annualized)

74.90%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.44%1.69%2.30%2.58%1.24%-121 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.62%n/an/a
Efficiency Ration/an/an/an/a74.90%n/an/a
Growth
Asset Growth (YoY)6.42%17.02%48.50%49.60%44.06%+3,764 bps
Loan Growth (YoY)62.65%39.16%14.06%-5.29%-8.67%-7,132 bps
Share Growth (YoY)2.40%16.67%50.36%51.25%48.23%+4,584 bps
Asset Quality
Delinquent Loans / Loans0.62%1.10%2.07%2.73%3.07%+245 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.76%0.95%0.94%1.29%0.91%+15 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 / Shares93.00%71.38%66.47%55.43%57.30%-3,570 bps
Liquid Assets / Assets2.54%23.98%29.30%43.30%10.53%+799 bps