PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Richland Memorial Hospital

Columbia, SC · Charter 17716

Q4 1998

$11.8MAssets
$7.6MLoans
$10.2MShares
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 4.80%, up 38 bps year over year.
  • Asset quality: problem loans at 0.80% of loans (-25 bps YoY).
  • Funding: loans stand at 74.68% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

4.80%+38 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 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.42%4.45%4.52%5.12%4.80%+38 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)16.98%30.73%30.37%33.55%51.29%+3,430 bps
Loan Growth (YoY)21.38%26.37%31.30%43.72%48.03%+2,665 bps
Share Growth (YoY)16.95%33.02%32.24%34.61%53.53%+3,658 bps
Asset Quality
Delinquent Loans / Loans1.05%0.46%0.80%0.41%0.80%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.06%1.77%1.73%1.53%1.18%-88 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 / Shares77.45%85.09%94.83%84.07%74.68%-277 bps
Liquid Assets / Assets24.45%20.58%8.83%9.07%9.98%-1,447 bps