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United Telephone

Warsaw, IN · Charter 21365

Q4 1996

$5.6MAssets
$4.4MLoans
$4.6MShares
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 5.12%, up 141 bps year over year.
  • Asset quality: problem loans at 2.00% of loans (+125 bps YoY).
  • Funding: loans stand at 95.98% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

5.12%+141 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.70%3.68%3.92%4.62%5.12%+141 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/a8.74%11.22%n/a
Loan Growth (YoY)n/an/an/a31.03%24.93%n/a
Share Growth (YoY)n/an/an/a7.13%13.05%n/a
Asset Quality
Delinquent Loans / Loans0.75%1.34%1.72%1.09%2.00%+125 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.61%0.66%0.70%0.69%+19 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 / Shares86.86%82.90%94.05%89.28%95.98%+913 bps
Liquid Assets / Assets22.19%26.66%18.34%20.20%18.31%-388 bps