PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Journal Times Employees

Racine, WI · Charter 66639

Q4 1999

$437KAssets
$209KLoans
$390KShares
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 -0.95%, down 415 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 3.59% of loans (-286 bps YoY).
  • Funding: loans stand at 53.70% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

-0.95%-415 bps YoY

Net Interest Margin (YTD, annualized)

5.46%

Efficiency Ratio (YTD, annualized)

82.07%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets3.19%1.09%1.93%-0.40%-0.95%-415 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.46%n/an/a
Efficiency Ration/an/an/an/a82.07%n/an/a
Growth
Asset Growth (YoY)-6.53%-11.73%-13.44%-13.64%-8.40%-188 bps
Loan Growth (YoY)22.33%-26.48%-24.19%-8.93%-17.50%-3,983 bps
Share Growth (YoY)-7.79%-13.21%-15.63%-14.58%-8.80%-101 bps
Asset Quality
Delinquent Loans / Loans6.45%4.33%4.70%2.68%3.59%-286 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.74%1.42%1.22%1.26%1.47%-227 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 / Shares59.37%45.98%56.45%57.41%53.70%-567 bps
Liquid Assets / Assets16.70%57.56%47.12%36.46%24.75%+805 bps