PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Independence County Federal Emp.

Batesville, AR · Charter 63734

Q4 1997

$801KAssets
$698KLoans
$673KShares
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 4.03%, down 1 bps year over year.
  • Asset quality: problem loans at 4.19% of loans (+339 bps YoY).
  • Funding: loans stand at 103.71% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.03%-1 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 Assets4.04%5.34%4.28%4.29%4.03%-1 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/a11.85%24.45%28.55%34.44%n/a
Loan Growth (YoY)n/a12.14%23.96%22.34%43.63%n/a
Share Growth (YoY)n/a12.12%24.16%42.09%34.74%n/a
Asset Quality
Delinquent Loans / Loans0.80%0.71%0.33%0.59%4.19%+339 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.20%0.35%0.66%0.74%0.70%+50 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 / Shares97.29%87.21%89.12%80.61%103.71%+642 bps
Liquid Assets / Assets16.78%0.00%14.92%14.79%4.53%-1,225 bps