PackageTrendsPeer
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Kilowatt

Pine Bluff, AR · Charter 63360

Q4 1996

$3.5MAssets
$2.0MLoans
$3.1MShares
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 3.60%, down 12 bps year over year.
  • Asset quality: problem loans at 9.37% of loans (+674 bps YoY).
  • Funding: loans stand at 64.49% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.60%-12 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 Assets3.72%3.83%4.17%2.47%3.60%-12 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-3.27%1.56%n/a
Loan Growth (YoY)n/an/an/a-14.48%-16.13%n/a
Share Growth (YoY)n/an/an/a-3.40%4.26%n/a
Asset Quality
Delinquent Loans / Loans2.63%4.48%8.62%10.15%9.37%+674 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.08%1.22%1.19%2.21%1.20%+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 / Shares80.16%75.98%73.58%63.43%64.49%-1,567 bps
Liquid Assets / Assets29.55%31.88%32.56%43.52%42.15%+1,260 bps