PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Potter Employees

Wesson, MS · Charter 61948

Q4 1997

$436KAssets
$313KLoans
$358KShares
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 3.59%, down 36 bps year over year.
  • Asset quality: problem loans at 9.44% of loans (+370 bps YoY).
  • Funding: loans stand at 87.36% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

3.59%-36 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.95%5.87%-8.02%2.87%3.59%-36 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/a-18.54%-31.04%-21.85%-33.44%n/a
Loan Growth (YoY)n/a22.65%15.60%-23.74%-44.96%n/a
Share Growth (YoY)n/a-24.76%-29.29%-14.25%-29.77%n/a
Asset Quality
Delinquent Loans / Loans5.73%5.35%22.52%16.53%9.44%+370 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.61%1.82%15.76%16.30%5.03%+242 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 / Shares111.48%127.25%127.28%103.51%87.36%-2,412 bps
Liquid Assets / Assets6.01%1.32%1.41%8.98%10.04%+402 bps