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Independence Teachers

Independence, KS · Charter 67811

Q2 1999

$1.6MAssets
$1.1MLoans
$1.5MShares
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 2.99%, down 78 bps year over year.
  • Asset quality: problem loans at 1.45% of loans (+31 bps YoY).
  • Funding: loans stand at 74.03% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.99%-78 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.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.77%3.99%3.76%4.10%2.99%-78 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)15.37%16.74%8.75%12.70%7.81%-756 bps
Loan Growth (YoY)24.45%12.22%21.49%5.05%-7.34%-3,178 bps
Share Growth (YoY)13.94%14.59%7.41%11.87%6.97%-697 bps
Asset Quality
Delinquent Loans / Loans1.14%3.02%1.63%1.95%1.45%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.51%0.64%0.44%0.63%+9 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 / Shares85.45%97.05%83.48%90.41%74.03%-1,143 bps
Liquid Assets / Assets14.64%4.91%14.34%9.49%24.55%+991 bps