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Baptist

San Antonio, TX · Charter 10529

Q2 1998

$16.8MAssets
$12.9MLoans
$15.3MShares
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 4.24%, up 93 bps year over year.
  • Asset quality: problem loans at 1.20% of loans (+72 bps YoY).
  • Funding: loans stand at 84.67% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

4.24%+93 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.30%3.54%3.46%3.94%4.24%+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)54.40%38.15%21.67%2.66%4.39%-5,001 bps
Loan Growth (YoY)113.98%59.75%26.90%13.68%6.41%-10,757 bps
Share Growth (YoY)54.64%48.17%23.95%1.86%3.53%-5,111 bps
Asset Quality
Delinquent Loans / Loans0.48%0.51%0.70%0.99%1.20%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.32%0.40%0.52%0.52%+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 / Shares82.37%94.03%89.70%89.79%84.67%+229 bps
Liquid Assets / Assets4.05%1.02%9.44%12.70%15.71%+1,166 bps