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St. Peters Canton Parish

Canton, OH · Charter 4889

Q4 1996

$893KAssets
$638KLoans
$800KShares
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 3.26%, down 13 bps year over year.
  • Asset quality: problem loans at 3.45% of loans (+58 bps YoY).
  • Funding: loans stand at 79.66% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.26%-13 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.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.39%3.55%3.73%4.06%3.26%-13 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/a-5.02%-16.63%n/a
Loan Growth (YoY)n/an/an/a18.45%10.86%n/a
Share Growth (YoY)n/an/an/a-7.34%-18.32%n/a
Asset Quality
Delinquent Loans / Loans2.87%2.40%5.03%4.24%3.45%+58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.85%0.83%0.81%0.81%-9 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 / Shares58.69%69.55%72.74%76.72%79.66%+2,097 bps
Liquid Assets / Assets0.00%11.68%12.85%12.60%4.35%+435 bps