PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Employees Savings & Credit Assoc.

Morrow, GA · Charter 67374

Q2 1996

$3.6MAssets
$2.7MLoans
$3.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.18%, down 217 bps year over year.
  • Asset quality: problem loans at 3.04% of loans (+111 bps YoY).
  • Funding: loans stand at 84.27% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

1.18%-217 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.35%3.42%3.60%3.22%1.18%-217 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/an/a-24.52%n/an/a
Loan Growth (YoY)n/an/an/an/a1.45%n/an/a
Share Growth (YoY)n/an/an/an/a-25.33%n/an/a
Asset Quality
Delinquent Loans / Loans1.93%2.81%0.67%2.16%3.04%+111 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.98%2.65%2.08%2.14%2.61%+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 / Shares62.02%67.53%73.78%80.21%84.27%+2,225 bps
Liquid Assets / Assets24.99%26.10%17.52%17.07%2.72%-2,227 bps