Lindsay, OK · Charter 11631
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lindsay, OK · Charter 11631
Q4 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.53% | 3.03% | 2.12% | 2.06% | 1.03% | -250 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -5.12% | -5.52% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -30.90% | -31.12% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -3.06% | -3.33% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.02% | 9.49% | 4.95% | 29.53% | 29.53% | +1,952 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.40% | 3.57% | 3.77% | 4.94% | 4.94% | +154 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.19% | 85.31% | 79.96% | 66.40% | 66.40% | -2,679 bps | |
| Liquid Assets / Assets | 1.41% | 24.83% | 25.37% | 26.92% | 26.92% | +2,551 bps | |