PackageTrendsPeer
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Boyles Bros. Drilling

Salt Lake City, UT · Charter 14698

Q2 1997

$1.4MAssets
$1.0MLoans
$1.1MShares
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 3.97%, down 109 bps year over year.
  • Asset quality: problem loans at 2.01% of loans (-9 bps YoY).
  • Funding: loans stand at 88.63% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.97%-109 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 Assets5.06%4.05%4.13%4.18%3.97%-109 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/a3.97%-3.85%-5.65%n/a
Loan Growth (YoY)n/an/a-11.96%-17.47%-4.90%n/a
Share Growth (YoY)n/an/a2.99%-5.34%-6.91%n/a
Asset Quality
Delinquent Loans / Loans2.10%3.11%1.19%0.82%2.01%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.61%1.79%1.22%1.67%1.77%+16 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 / Shares86.75%76.92%71.19%75.47%88.63%+188 bps
Liquid Assets / Assets27.21%34.85%38.76%36.53%27.53%+33 bps