PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Savannah J-Mers

Savannah, GA · Charter 67362

Q4 1996

$299KAssets
$138KLoans
$181KShares
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 0.91%, down 207 bps year over year.
  • Asset quality: problem loans at 18.52% of loans (+1,194 bps YoY).
  • Funding: loans stand at 76.42% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

0.91%-207 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 Assets2.98%2.15%4.15%1.18%0.91%-207 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-39.92%-18.03%n/a
Loan Growth (YoY)n/an/an/a-19.16%-17.95%n/a
Share Growth (YoY)n/an/an/a-52.36%-25.31%n/a
Asset Quality
Delinquent Loans / Loans6.58%4.94%4.22%21.70%18.52%+1,194 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.02%3.30%1.61%1.64%2.49%-53 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 / Shares69.57%62.68%84.53%85.06%76.42%+685 bps
Liquid Assets / Assets38.38%38.14%38.01%38.91%49.22%+1,085 bps