PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Old Town

Bellevue, NE · Charter 9784

Q4 1998

$1.5MAssets
$690KLoans
$1.3MShares
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 0.28%, down 361 bps year over year.
  • Asset quality: problem loans at 7.62% of loans (-58 bps YoY).
  • Funding: loans stand at 52.04% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

0.28%-361 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.89%3.79%3.92%1.17%0.28%-361 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)12.45%8.35%1.23%7.00%-4.53%-1,698 bps
Loan Growth (YoY)-9.69%-10.72%-12.01%-14.42%-21.03%-1,134 bps
Share Growth (YoY)12.65%6.67%-0.52%7.09%-6.46%-1,912 bps
Asset Quality
Delinquent Loans / Loans8.20%8.17%11.23%2.81%7.62%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.45%1.79%2.44%2.83%5.80%+335 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 / Shares61.64%66.70%62.77%53.31%52.04%-960 bps
Liquid Assets / Assets32.17%35.31%23.34%46.41%51.72%+1,955 bps