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Opelousas General Hospital

Opelousas, LA · Charter 62806

Q4 1997

$611KAssets
$476KLoans
$502KShares
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 2.35%, down 125 bps year over year.
  • Asset quality: problem loans at 1.39% of loans (-128 bps YoY).
  • Funding: loans stand at 94.85% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

2.35%-125 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.61%4.65%1.64%3.24%2.35%-125 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/a14.11%6.70%17.46%21.01%n/a
Loan Growth (YoY)n/a-3.77%-15.68%6.10%38.00%n/a
Share Growth (YoY)n/a13.31%9.39%19.97%23.30%n/a
Asset Quality
Delinquent Loans / Loans2.67%2.94%0.64%3.72%1.39%-128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.04%1.17%1.64%1.73%2.26%+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 / Shares84.75%64.60%66.05%63.95%94.85%+1,010 bps
Liquid Assets / Assets27.44%31.10%32.19%35.59%6.82%-2,062 bps