PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beatrice

Galesburg, IL · Charter 65949

Q4 1996

$271KAssets
$201KLoans
$271KShares
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 -7.37%, down 1,270 bps year over year.
  • Asset quality: problem loans at 26.01% of loans (+155 bps YoY).
  • Funding: loans stand at 74.31% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

-7.37%-1,270 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.33%5.96%6.78%5.88%-7.37%-1,270 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/an/an/a23.98%-10.05%n/a
Loan Growth (YoY)n/an/an/a-2.90%-0.64%n/a
Share Growth (YoY)n/an/an/a27.19%1.25%n/a
Asset Quality
Delinquent Loans / Loans24.46%29.95%24.14%24.01%26.01%+155 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.18%4.53%4.42%5.35%25.47%+2,029 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 / Shares75.72%78.23%72.36%64.46%74.31%-141 bps
Liquid Assets / Assets31.73%30.69%34.23%41.77%40.72%+899 bps