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Kettle Moraine Empls.

Glenbeulah, WI · Charter 66796

Q2 1999

$388KAssets
$380KLoans
$318KShares
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 8.94%, up 379 bps year over year.
  • Asset quality: problem loans at 0.84% of loans (-335 bps YoY).
  • Funding: loans stand at 119.55% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

8.94%+379 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets5.15%6.19%6.55%5.12%8.94%+379 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)31.76%27.20%31.90%24.60%-1.67%-3,343 bps
Loan Growth (YoY)25.58%26.64%31.42%27.15%5.43%-2,015 bps
Share Growth (YoY)39.85%28.57%32.87%11.69%-4.78%-4,464 bps
Asset Quality
Delinquent Loans / Loans4.19%2.11%0.05%0.05%0.84%-335 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.27%3.54%0.93%1.35%1.91%-136 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 / Shares107.97%116.69%110.49%119.19%119.55%+1,158 bps
Liquid Assets / Assets2.54%0.32%0.41%0.01%0.01%-253 bps