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R. C. Hospital

Ahoskie, NC · Charter 65272

Q2 1997

$428KAssets
$198KLoans
$319KShares
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 4.68%, down 73 bps year over year.
  • Asset quality: problem loans at 0.11% of loans (-55 bps YoY).
  • Funding: loans stand at 62.23% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.68%-73 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.40%6.49%5.63%6.72%4.68%-73 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/a-14.78%-23.73%-15.14%n/a
Loan Growth (YoY)n/an/a7.12%-45.45%-47.57%n/a
Share Growth (YoY)n/an/a-22.83%-34.45%-24.97%n/a
Asset Quality
Delinquent Loans / Loans0.66%0.00%0.00%0.20%0.11%-55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.42%0.53%0.55%0.66%0.57%+14 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 / Shares89.05%83.72%74.71%80.94%62.23%-2,682 bps
Liquid Assets / Assets17.27%22.61%33.02%34.92%34.30%+1,704 bps