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Hamilton Tool

Hamilton, OH · Charter 63221

Q4 1996

$808KAssets
$448KLoans
$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 3.83%, down 6 bps year over year.
  • Asset quality: problem loans at 5.51% of loans (+400 bps YoY).
  • Funding: loans stand at 67.81% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.83%-6 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 Assets3.89%3.54%3.91%4.42%3.83%-6 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/a1.66%-15.06%n/a
Loan Growth (YoY)n/an/an/a7.06%-17.28%n/a
Share Growth (YoY)n/an/an/a-0.93%-19.45%n/a
Asset Quality
Delinquent Loans / Loans1.51%1.13%1.13%1.09%5.51%+400 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.11%1.28%1.47%1.75%2.23%+12 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 / Shares66.04%70.82%78.27%69.34%67.81%+177 bps
Liquid Assets / Assets38.03%36.39%27.52%29.01%35.69%-235 bps