PackageTrendsPeer
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Ohio Central

Dublin, OH · Charter 24555

Q4 1997

$27.7MAssets
$21.6MLoans
$25.1MShares
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 3.42%, down 7 bps year over year.
  • Asset quality: problem loans at 0.35% of loans (-16 bps YoY).
  • Funding: loans stand at 86.00% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.42%-7 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.50%3.11%3.46%3.02%3.42%-7 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/a3.20%n/an/a
Loan Growth (YoY)n/an/an/an/a15.98%n/an/a
Share Growth (YoY)n/an/an/an/a2.47%n/an/a
Asset Quality
Delinquent Loans / Loans0.51%0.16%0.16%0.26%0.35%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.34%1.14%1.10%0.95%-39 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 / Shares75.98%73.40%85.34%78.08%86.00%+1,002 bps
Liquid Assets / Assets18.61%23.03%10.84%14.06%11.46%-716 bps