PackageTrendsPeer
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Great Plains Provisioners

Omaha, NE · Charter 66033

Q4 1998

$1.4MAssets
$788KLoans
$1.3MShares
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 0.46%, down 315 bps year over year.
  • Asset quality: problem loans at 2.05% of loans (+64 bps YoY).
  • Funding: loans stand at 58.56% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

0.46%-315 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.62%3.30%3.48%2.20%0.46%-315 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)-3.68%-6.91%-7.93%-7.21%-10.94%-725 bps
Loan Growth (YoY)8.78%3.32%-6.24%-14.63%-22.77%-3,155 bps
Share Growth (YoY)-4.85%-4.65%-7.78%-7.57%-8.91%-407 bps
Asset Quality
Delinquent Loans / Loans1.41%2.65%5.43%5.16%2.05%+64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.67%0.46%0.31%0.57%+10 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 / Shares69.07%70.85%68.73%61.56%58.56%-1,051 bps
Liquid Assets / Assets10.79%14.55%21.53%26.65%31.69%+2,090 bps