Lincolnton, NC · Charter 60644
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lincolnton, NC · Charter 60644
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | 3.75% | 4.70% | 4.89% | 5.85% | +154 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -12.35% | -14.19% | -18.42% | -14.91% | n/a | |
| Loan Growth (YoY) | n/a | 13.05% | -4.72% | -12.98% | -18.87% | n/a | |
| Share Growth (YoY) | n/a | -13.77% | -15.90% | -18.50% | -16.67% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.54% | 3.11% | 1.39% | 1.48% | 1.68% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.25% | 5.17% | 3.63% | 3.92% | 3.29% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.72% | 83.47% | 80.32% | 82.12% | 83.45% | -227 bps | |
| Liquid Assets / Assets | 0.00% | 9.59% | 25.54% | 24.49% | 24.02% | +2,402 bps | |