PackageTrendsPeer
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Lincoln Town Employees

Lincoln, RI · Charter 66335

Q4 1996

$4.7MAssets
$1.8MLoans
$4.3MShares
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 3.34%, up 101 bps year over year.
  • Asset quality: problem loans at 0.57% of loans (+28 bps YoY).
  • Funding: loans stand at 41.99% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

3.34%+101 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 Assets2.33%3.60%3.64%2.22%3.34%+101 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-16.95%-6.92%n/a
Loan Growth (YoY)n/an/an/a-24.45%-10.95%n/a
Share Growth (YoY)n/an/an/a-18.69%-10.03%n/a
Asset Quality
Delinquent Loans / Loans0.29%0.49%1.65%1.10%0.57%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%1.31%0.22%1.13%0.90%-31 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 / Shares42.42%46.28%42.38%39.01%41.99%-43 bps
Liquid Assets / Assets44.33%16.57%16.81%7.75%0.00%-4,433 bps