PackageTrendsPeer
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Robbins Tire and Rubber

Tuscumbia, AL · Charter 60317

Q2 1997

$525KAssets
$402KLoans
$291KShares
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 1.70%, up 136 bps year over year.
  • Asset quality: problem loans at 0.03% of loans (-1,235 bps YoY).
  • Funding: loans stand at 138.29% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

1.70%+136 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets0.35%-2.95%3.40%3.12%1.70%+136 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/a-44.83%-44.56%-11.78%n/a
Loan Growth (YoY)n/an/a-41.37%-30.72%-7.58%n/a
Share Growth (YoY)n/an/a-56.50%-56.40%-14.50%n/a
Asset Quality
Delinquent Loans / Loans12.38%3.37%1.49%0.41%0.03%-1,235 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.97%1.52%1.67%1.23%1.51%-47 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 / Shares127.93%168.04%141.13%165.15%138.29%+1,036 bps
Liquid Assets / Assets0.00%10.59%0.00%0.00%9.53%+953 bps