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Anderson Community Hospital

Anderson, IN · Charter 17177

Q4 1997

$2.7MAssets
$1.9MLoans
$2.2MShares
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 4.79%, down 64 bps year over year.
  • Asset quality: problem loans at 0.85% of loans (-131 bps YoY).
  • Funding: loans stand at 89.68% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.79%-64 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 Assets5.43%4.14%4.68%4.19%4.79%-64 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/a3.35%7.41%4.78%1.92%n/a
Loan Growth (YoY)n/a24.46%10.54%-3.60%-1.15%n/a
Share Growth (YoY)n/a0.71%12.95%2.73%-0.82%n/a
Asset Quality
Delinquent Loans / Loans2.16%0.82%0.36%0.07%0.85%-131 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.12%1.07%0.59%0.68%1.09%-3 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 / Shares89.98%68.87%83.05%81.79%89.68%-30 bps
Liquid Assets / Assets24.89%34.96%28.88%30.01%25.18%+30 bps