PackageTrendsPeer
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Eli Witt Employees

Ocala, FL · Charter 67324

Q4 1996

$2.0MAssets
$1.4MLoans
$1.5MShares
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 6.64%, up 94 bps year over year.
  • Asset quality: problem loans at 0.13% of loans (+8 bps YoY).
  • Funding: loans stand at 92.16% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

6.64%+94 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 Assets5.69%5.83%6.77%6.33%6.64%+94 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-9.53%-23.00%n/a
Loan Growth (YoY)n/an/an/a0.07%-19.98%n/a
Share Growth (YoY)n/an/an/a-15.68%-31.10%n/a
Asset Quality
Delinquent Loans / Loans0.05%0.02%0.07%0.12%0.13%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.00%2.95%2.98%3.36%4.28%+128 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 / Shares79.35%89.88%99.12%91.21%92.16%+1,281 bps
Liquid Assets / Assets8.54%0.00%0.00%14.02%20.87%+1,233 bps