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Kalamazoo Governmental

Kalamazoo, MI · Charter 9964

Q2 1997

$29.3MAssets
$21.3MLoans
$26.4MShares
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 3.82%, up 7 bps year over year.
  • Asset quality: problem loans at 2.45% of loans (+100 bps YoY).
  • Funding: loans stand at 80.55% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.82%+7 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.74%3.89%4.27%4.40%3.82%+7 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/an/a16.92%16.09%13.30%n/a
Loan Growth (YoY)n/an/a32.08%31.59%23.59%n/a
Share Growth (YoY)n/an/a15.47%17.50%12.14%n/a
Asset Quality
Delinquent Loans / Loans1.45%2.10%1.64%2.30%2.45%+100 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.96%0.89%0.96%0.88%1.07%+11 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 / Shares73.09%76.08%75.97%80.50%80.55%+746 bps
Liquid Assets / Assets17.09%18.27%15.34%13.23%11.16%-593 bps