PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Spelman

Smithville, MO · Charter 64000

Q4 1996

$585KAssets
$576KLoans
$522KShares
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 -0.39%, down 407 bps year over year.
  • Asset quality: problem loans at 12.70% of loans (+776 bps YoY).
  • Funding: loans stand at 110.46% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

-0.39%-407 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 Assets3.68%4.09%4.07%1.43%-0.39%-407 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-10.49%-19.36%n/a
Loan Growth (YoY)n/an/an/a-7.92%-17.79%n/a
Share Growth (YoY)n/an/an/a-14.76%-18.27%n/a
Asset Quality
Delinquent Loans / Loans4.95%6.58%10.94%10.32%12.70%+776 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.09%1.22%1.37%2.50%4.86%+378 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 / Shares109.81%94.07%100.72%109.84%110.46%+65 bps
Liquid Assets / Assets0.91%3.49%3.38%1.10%4.33%+343 bps