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Smart & Final

Los Angeles, CA · Charter 11059

Q4 1997

$15.8MAssets
$5.9MLoans
$11.9MShares
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 4.92%, up 33 bps year over year.
  • Asset quality: problem loans at 0.21% of loans (+20 bps YoY).
  • Funding: loans stand at 49.34% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.92%+33 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.59%4.39%4.46%4.86%4.92%+33 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/a-4.47%-6.83%-3.29%-4.03%n/a
Loan Growth (YoY)n/a13.51%5.97%-0.27%-7.47%n/a
Share Growth (YoY)n/a-7.75%-10.81%-7.69%-8.59%n/a
Asset Quality
Delinquent Loans / Loans0.01%0.60%0.40%1.09%0.21%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.29%2.48%1.99%1.48%1.35%-93 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 / Shares48.74%47.94%50.77%48.59%49.34%+60 bps
Liquid Assets / Assets25.05%26.09%24.21%23.26%13.03%-1,202 bps