PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American States Employees

Indianapolis, IN · Charter 7179

Q4 1998

$7.4MAssets
$4.1MLoans
$6.4MShares
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 2.98%, down 93 bps year over year.
  • Asset quality: problem loans at 0.85% of loans (-60 bps YoY).
  • Funding: loans stand at 63.89% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

2.98%-93 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.91%3.30%3.66%3.25%2.98%-93 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)21.28%27.03%30.71%0.73%2.90%-1,838 bps
Loan Growth (YoY)38.44%18.60%10.45%-5.59%-23.50%-6,194 bps
Share Growth (YoY)21.06%28.85%33.17%-0.62%1.81%-1,926 bps
Asset Quality
Delinquent Loans / Loans1.45%1.19%1.14%0.69%0.85%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%1.17%1.10%1.01%1.37%+63 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 / Shares85.02%72.36%61.67%68.17%63.89%-2,114 bps
Liquid Assets / Assets14.24%27.94%36.81%33.49%31.94%+1,770 bps