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St. Francis Hospital Empls.

Milwaukee, WI · Charter 66797

Q4 1997

$708KAssets
$419KLoans
$539KShares
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 2.77%, up 193 bps year over year.
  • Asset quality: problem loans at 5.61% of loans (+53 bps YoY).
  • Funding: loans stand at 77.73% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

2.77%+193 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.84%1.96%2.70%2.15%2.77%+193 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)n/a-11.81%2.90%5.09%-2.02%n/a
Loan Growth (YoY)n/a1.38%18.40%25.37%46.89%n/a
Share Growth (YoY)n/a-3.91%6.69%6.89%-3.53%n/a
Asset Quality
Delinquent Loans / Loans5.08%4.26%2.80%5.38%5.61%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.80%5.41%4.31%4.97%4.28%-53 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 / Shares51.05%43.88%55.41%54.94%77.73%+2,668 bps
Liquid Assets / Assets28.60%29.78%30.80%32.22%19.21%-939 bps