PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Perm-O-Last Employees

Waterbury, CT · Charter 65953

Q4 1999

$436KAssets
$111KLoans
$365KShares
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 0.01%, down 411 bps year over year; NIM at 4.68%.
  • Asset quality: problem loans at 6.59% of loans (+195 bps YoY).
  • Funding: loans stand at 30.49% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.01%-411 bps YoY

Net Interest Margin (quarter, annualized)

4.68%

Efficiency Ratio (quarter, annualized)

99.71%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.12%3.64%3.76%2.15%0.01%-411 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.68%n/an/a
Efficiency Ration/an/an/an/a99.71%n/an/a
Growth
Asset Growth (YoY)17.90%12.43%-3.94%-10.63%-35.58%-5,348 bps
Loan Growth (YoY)-20.18%-15.38%-42.75%-54.81%-55.53%-3,535 bps
Share Growth (YoY)30.26%14.05%-4.43%-11.67%-39.76%-7,002 bps
Asset Quality
Delinquent Loans / Loans4.64%4.94%0.00%6.63%6.59%+195 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.08%4.49%6.25%7.70%9.31%+523 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 / Shares41.31%39.30%30.66%24.04%30.49%-1,082 bps
Liquid Assets / Assets56.16%59.92%68.53%76.52%68.94%+1,278 bps