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Laurens Glass Long Life

Laurens, SC · Charter 18371

Q2 1996

$6.6MAssets
$4.4MLoans
$5.3MShares
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 2.39%, down 175 bps year over year.
  • Asset quality: problem loans at 2.76% of loans (+30 bps YoY).
  • Funding: loans stand at 83.23% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

2.39%-175 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.14%3.73%4.57%4.17%2.39%-175 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/an/an/a5.88%n/an/a
Loan Growth (YoY)n/an/an/an/a13.24%n/an/a
Share Growth (YoY)n/an/an/an/a5.99%n/an/a
Asset Quality
Delinquent Loans / Loans2.46%2.48%2.10%1.85%2.76%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.32%0.71%0.45%0.28%0.95%+63 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 / Shares77.90%77.37%89.57%98.83%83.23%+533 bps
Liquid Assets / Assets15.95%20.18%17.84%16.12%27.02%+1,106 bps