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Warwick

Warwick, RI · Charter 65867

Q4 1999

$81.1MAssets
$50.6MLoans
$71.5MShares
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 0.52%, down 315 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.03% of loans (+2 bps YoY).
  • Funding: loans stand at 70.79% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.52%-315 bps YoY

Net Interest Margin (quarter, annualized)

3.37%

Efficiency Ratio (quarter, annualized)

87.41%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.66%3.70%3.55%0.52%0.52%-315 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.31%3.37%n/a
Efficiency Ration/an/an/a86.83%87.41%n/a
Growth
Asset Growth (YoY)13.66%10.89%13.94%11.93%8.04%-562 bps
Loan Growth (YoY)11.05%12.05%10.06%9.80%11.44%+39 bps
Share Growth (YoY)14.71%11.65%15.15%12.97%7.18%-753 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.04%0.04%0.03%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.38%0.38%0.36%0.35%-6 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 / Shares68.09%68.01%65.76%68.42%70.79%+270 bps
Liquid Assets / Assets14.33%13.86%14.55%14.02%9.91%-441 bps