PackageTrendsPeer
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First American

St. Louis, MO · Charter 62948

Q4 1996

$7.6MAssets
$4.2MLoans
$6.1MShares
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 3.17%, down 13 bps year over year.
  • Asset quality: problem loans at 0.89% of loans (+76 bps YoY).
  • Funding: loans stand at 69.61% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.17%-13 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 Assets3.31%3.56%3.65%3.07%3.17%-13 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-2.88%-2.18%n/a
Loan Growth (YoY)n/an/an/a18.55%-2.58%n/a
Share Growth (YoY)n/an/an/a-5.19%-4.46%n/a
Asset Quality
Delinquent Loans / Loans0.13%0.33%0.29%0.62%0.89%+76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.56%0.42%0.40%0.40%0.39%-16 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 / Shares68.26%78.66%80.48%75.01%69.61%+135 bps
Liquid Assets / Assets25.21%21.67%21.96%26.66%31.07%+586 bps