PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Federal Savings

Memphis, TN · Charter 6025

Q4 1996

$36.0MAssets
$24.7MLoans
$32.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.40%, up 55 bps year over year.
  • Asset quality: problem loans at 1.68% of loans (+46 bps YoY).
  • Funding: loans stand at 76.37% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

4.40%+55 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 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.52%3.85%4.05%4.40%4.19%4.40%+55 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a13.40%9.76%n/a
Loan Growth (YoY)n/an/an/an/a26.42%24.16%n/a
Share Growth (YoY)n/an/an/an/a12.48%8.42%n/a
Asset Quality
Delinquent Loans / Loans0.87%1.22%2.08%0.91%1.76%1.68%+46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.83%0.91%0.89%0.73%0.86%+3 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares62.71%66.69%65.59%68.18%70.48%76.37%+968 bps
Liquid Assets / Assets16.22%18.69%16.94%17.38%21.90%19.42%+73 bps