Dover, NH · Charter 66234
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Dover, NH · Charter 66234
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 3.34% | 3.64% | 3.17% | 1.00% | -301 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.42% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 79.77% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.17% | -10.52% | 2.78% | 0.81% | 2.25% | +542 bps | |
| Loan Growth (YoY) | 4.67% | 7.43% | 1.77% | -11.30% | 13.26% | +859 bps | |
| Share Growth (YoY) | -6.36% | -13.80% | 0.40% | -1.11% | 0.76% | +712 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 0.51% | 0.98% | 3.28% | 1.87% | -121 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 1.46% | 1.25% | 1.54% | 1.75% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.57% | 60.69% | 68.08% | 58.37% | 69.21% | +764 bps | |
| Liquid Assets / Assets | 30.17% | 33.96% | 27.48% | 33.17% | 28.17% | -201 bps | |