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Carolina Dairies

Kinston, NC · Charter 63563

Q4 1997

$110KAssets
$20KLoans
$65KShares
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 0.00%, down 535 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 29.91% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

0.00%-535 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 Assets5.35%2.02%3.24%-1.46%0.00%-535 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/a26.70%21.77%6.78%5.31%n/a
Loan Growth (YoY)n/a48.20%43.28%35.89%-44.84%n/a
Share Growth (YoY)n/a32.12%29.52%9.99%9.43%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%14.51%0.97%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.51%0.51%0.52%0.59%0.43%-7 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 / Shares59.34%43.77%44.81%39.57%29.91%-2,943 bps
Liquid Assets / Assets59.46%60.37%59.32%67.61%0.00%-5,946 bps