PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baptist Medical Center

Kansas City, MO · Charter 62296

Q4 1996

$5.1MAssets
$3.9MLoans
$4.5MShares
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 2.71%, up 34 bps year over year.
  • Asset quality: problem loans at 2.13% of loans (-65 bps YoY).
  • Funding: loans stand at 86.07% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.71%+34 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 Assets2.37%3.08%2.71%3.29%2.71%+34 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/a3.52%9.62%n/a
Loan Growth (YoY)n/an/an/a77.45%69.14%n/a
Share Growth (YoY)n/an/an/a1.49%7.41%n/a
Asset Quality
Delinquent Loans / Loans2.79%3.71%1.73%1.85%2.13%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.51%0.56%0.84%0.68%+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 / Shares54.66%67.69%82.52%89.37%86.07%+3,141 bps
Liquid Assets / Assets38.02%34.20%23.96%14.37%19.06%-1,896 bps