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Letter portraitLegal landscapeQuarterYTD

Davis Employees Credit Association

Thomasville, GA · Charter 67400

Q2 1998

$1.8MAssets
$639KLoans
$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 5.91%, up 23 bps year over year.
  • Asset quality: problem loans at 0.16% of loans (+16 bps YoY).
  • Funding: loans stand at 40.98% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

5.91%+23 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets5.68%5.65%6.56%5.37%5.91%+23 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)0.87%-3.84%1.49%28.65%20.87%+2,000 bps
Loan Growth (YoY)45.03%26.40%7.37%-12.54%-11.88%-5,691 bps
Share Growth (YoY)-1.25%-6.63%-1.53%29.55%21.02%+2,227 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.32%0.26%0.16%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.15%3.79%3.70%4.11%4.35%+120 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 / Shares56.28%53.57%62.93%42.48%40.98%-1,530 bps
Liquid Assets / Assets33.33%54.11%42.45%55.61%64.11%+3,078 bps