PackageTrendsPeer
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Springfield Bell

Springfield, IL · Charter 65825

Q4 1997

$16.8MAssets
$12.1MLoans
$14.2MShares
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 4.21%, up 31 bps year over year.
  • Asset quality: problem loans at 0.18% of loans (-117 bps YoY).
  • Funding: loans stand at 85.38% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.21%+31 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 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.91%3.85%4.19%4.17%4.21%+31 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/a1.38%-2.39%4.83%4.35%n/a
Loan Growth (YoY)n/a20.43%14.28%12.18%10.43%n/a
Share Growth (YoY)n/a-0.93%-5.15%2.28%1.56%n/a
Asset Quality
Delinquent Loans / Loans1.35%0.78%1.28%0.78%0.18%-117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%0.80%0.86%0.66%0.58%-63 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 / Shares78.53%71.21%81.76%78.55%85.38%+685 bps
Liquid Assets / Assets14.72%27.22%16.43%16.57%11.10%-361 bps