Rogers, AR · Charter 12819
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.
Rogers, AR · Charter 12819
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 | 3.33% | 4.78% | 4.56% | 4.10% | 4.23% | +90 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% | -9.92% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -42.73% | -46.21% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -6.63% | -11.60% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.66% | 1.02% | 1.39% | 1.68% | +131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.58% | 2.00% | 2.62% | 2.67% | 3.28% | +71 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 | 68.79% | 65.49% | 54.60% | 43.92% | 41.86% | -2,693 bps | |
| Liquid Assets / Assets | 38.66% | 40.37% | 51.38% | 58.85% | 62.93% | +2,427 bps | |