PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Franklin Life Employees

Springfield, IL · Charter 65752

Q4 1996

$2.2MAssets
$1.6MLoans
$1.8MShares
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 3.35%, down 33 bps year over year.
  • Asset quality: problem loans at 2.72% of loans (+230 bps YoY).
  • Funding: loans stand at 90.69% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.35%-33 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.68%3.38%4.05%3.07%3.35%-33 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-24.61%-31.88%n/a
Loan Growth (YoY)n/an/an/a-4.94%-23.63%n/a
Share Growth (YoY)n/an/an/a-28.31%-38.57%n/a
Asset Quality
Delinquent Loans / Loans0.41%0.48%0.46%1.48%2.72%+230 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.44%0.47%0.62%0.56%-2 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 / Shares72.95%72.57%87.53%83.87%90.69%+1,774 bps
Liquid Assets / Assets31.11%22.81%14.47%26.20%23.21%-790 bps