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The Lancaster Teachers'

Lancaster, PA · Charter 65407

Q4 1997

$4.9MAssets
$3.3MLoans
$4.4MShares
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 5.35%, down 16 bps year over year.
  • Asset quality: problem loans at 0.94% of loans (-88 bps YoY).
  • Funding: loans stand at 75.10% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

5.35%-16 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 Assets5.50%8.82%5.84%5.31%5.35%-16 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/a-12.14%6.98%10.30%1.68%n/a
Loan Growth (YoY)n/a8.93%9.75%5.81%14.39%n/a
Share Growth (YoY)n/a-14.50%5.16%9.41%0.77%n/a
Asset Quality
Delinquent Loans / Loans1.82%7.67%0.85%0.93%0.94%-88 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.78%1.79%1.79%1.82%1.75%-4 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 / Shares66.16%70.63%65.44%67.57%75.10%+894 bps
Liquid Assets / Assets0.93%27.62%14.08%14.97%11.48%+1,055 bps