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Appleton Telco

Appleton, WI · Charter 66425

Q4 1996

$2.3MAssets
$862KLoans
$1.6MShares
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 4.30%, up 104 bps year over year.
  • Asset quality: problem loans at 1.71% of loans (+171 bps YoY).
  • Funding: loans stand at 53.02% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.30%+104 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 Assets3.26%3.56%3.76%3.65%4.30%+104 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-13.32%-18.08%n/a
Loan Growth (YoY)n/an/an/a-8.72%-24.43%n/a
Share Growth (YoY)n/an/an/a-18.90%-26.30%n/a
Asset Quality
Delinquent Loans / Loans0.00%1.17%0.24%2.14%1.71%+171 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.16%0.88%1.09%1.28%+18 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 / Shares51.71%52.44%57.21%51.35%53.02%+131 bps
Liquid Assets / Assets56.37%57.53%47.02%56.24%61.35%+498 bps