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Kellwood Company, Calhoun Employees

Calhoun City, MS · Charter 6884

Q4 1999

$237KAssets
$114KLoans
$189KShares
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 0.24%, down 442 bps year over year; NIM at 6.59%.
  • Asset quality: problem loans at 11.65% of loans (+968 bps YoY).
  • Funding: loans stand at 60.42% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.24%-442 bps YoY

Net Interest Margin (quarter, annualized)

6.59%

Efficiency Ratio (quarter, annualized)

77.45%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.66%5.39%6.05%3.97%0.24%-442 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a6.59%n/an/a
Efficiency Ration/an/an/an/a77.45%n/an/a
Growth
Asset Growth (YoY)-5.91%-2.52%-9.47%0.00%-21.53%-1,562 bps
Loan Growth (YoY)-20.14%-2.87%-0.18%-22.71%-40.52%-2,038 bps
Share Growth (YoY)-11.39%-8.82%-11.47%-7.08%-26.80%-1,542 bps
Asset Quality
Delinquent Loans / Loans1.97%2.90%1.02%0.99%11.65%+968 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.08%4.10%2.25%3.65%4.13%+105 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 / Shares74.36%67.69%78.78%51.40%60.42%-1,394 bps
Liquid Assets / Assets33.77%29.42%26.30%30.57%39.90%+613 bps