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Letter portraitLegal landscapeQuarterYTD

Alice Employees Credit Association

Easley, SC · Charter 22318

Q2 1996

$5.7MAssets
$2.6MLoans
$4.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.11%, down 50 bps year over year.
  • Asset quality: problem loans at 5.05% of loans (+251 bps YoY).
  • Funding: loans stand at 53.55% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

4.11%-50 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.60%4.60%4.44%4.49%4.11%-50 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/a-0.24%n/an/a
Loan Growth (YoY)n/an/an/an/a-13.04%n/an/a
Share Growth (YoY)n/an/an/an/a-2.69%n/an/a
Asset Quality
Delinquent Loans / Loans2.54%4.89%3.38%4.36%5.05%+251 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.82%1.89%1.64%2.12%2.37%+54 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 / Shares59.93%64.17%61.72%60.23%53.55%-638 bps
Liquid Assets / Assets38.00%39.59%38.38%13.12%47.27%+927 bps