PackageTrendsPeer
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Bedford Independent

Bedford, IN · Charter 19122

Q1 1997

$103.2MAssets
$82.9MLoans
$95.8MShares
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 4.17%, down 16 bps year over year.
  • Asset quality: problem loans at 0.72% of loans (+6 bps YoY).
  • Funding: loans stand at 86.53% of shares as of Q1 1997.

Financial Results

Return on Assets (YTD, annualized)

4.17%-16 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.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets4.33%4.27%n/a4.33%4.17%-16 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)11.41%8.99%9.67%8.84%7.49%-392 bps
Loan Growth (YoY)6.48%6.14%7.60%12.44%13.66%+718 bps
Share Growth (YoY)11.45%8.96%9.38%8.26%6.97%-448 bps
Asset Quality
Delinquent Loans / Loans0.66%0.63%0.69%0.78%0.72%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.43%0.41%0.42%0.50%0.46%+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 / Shares81.44%83.35%86.18%89.78%86.53%+509 bps
Liquid Assets / Assets14.36%13.33%10.86%7.57%11.66%-270 bps