PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B C E E

Ashland, KY · Charter 16055

Q4 1997

$295KAssets
$90KLoans
$212KShares
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 3.51%, down 92 bps year over year.
  • Asset quality: problem loans at 0.62% of loans (+62 bps YoY).
  • Funding: loans stand at 42.41% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.51%-92 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.43%3.65%2.11%5.06%3.51%-92 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/a7.28%-2.06%-18.14%-29.78%n/a
Loan Growth (YoY)n/a6.56%18.82%23.18%-9.90%n/a
Share Growth (YoY)n/a1.39%-10.76%-27.42%-37.80%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.65%0.62%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.22%0.99%1.01%1.36%+13 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 / Shares29.28%32.27%43.56%51.36%42.41%+1,313 bps
Liquid Assets / Assets49.93%53.29%0.00%46.06%6.77%-4,316 bps