PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Box Board Co. Employees

Wyoming, MI · Charter 62738

Q4 1996

$774KAssets
$554KLoans
$661KShares
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 2.73%, up 47 bps year over year.
  • Asset quality: problem loans at 3.17% of loans (+257 bps YoY).
  • Funding: loans stand at 83.85% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

2.73%+47 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.25%2.32%2.67%3.17%2.73%+47 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/a-13.54%-19.64%n/a
Loan Growth (YoY)n/an/an/a19.69%-6.17%n/a
Share Growth (YoY)n/an/an/a-15.20%-22.15%n/a
Asset Quality
Delinquent Loans / Loans0.59%0.39%1.16%2.91%3.17%+257 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.59%2.95%3.06%2.81%2.38%-122 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 / Shares69.57%95.06%101.74%89.83%83.85%+1,428 bps
Liquid Assets / Assets23.73%4.22%3.25%13.57%6.94%-1,679 bps