PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Essex Agricultural

Hathorne, MA · Charter 67745

Q2 1997

$392KAssets
$190KLoans
$340KShares
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 4.63%, down 37 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 55.82% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.63%-37 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.00%5.26%4.48%4.61%4.63%-37 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/a10.62%17.98%29.43%n/a
Loan Growth (YoY)n/an/a118.60%135.32%61.62%n/a
Share Growth (YoY)n/an/a8.42%16.58%30.70%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.89%1.62%1.34%1.27%1.26%-64 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 / Shares45.14%54.78%58.91%55.39%55.82%+1,068 bps
Liquid Assets / Assets53.80%0.00%44.80%35.77%48.50%-531 bps