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Lanier Clothes Empls. Cr. Assn.

Decherd, TN · Charter 67792

Q2 1995

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 1995, the quarter ended June 30, 1995, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lanier Clothes Empls. Cr. Assn.

Decherd, TN · Charter 67792

Q2 1995

$1.4MAssets
$1.0MLoans
$1.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 6.23%.
  • Asset quality: problem loans at 2.07% of loans.
  • Funding: loans stand at 86.32% of shares as of Q2 1995.

Return on Assets (YTD, annualized)

6.23%

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 1995YoY ΔTrend
Earnings
Return on Assets5.36%5.50%6.23%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans4.87%3.18%2.07%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans2.23%2.00%1.83%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.17%85.80%86.32%n/a
Liquid Assets / Assets28.02%26.92%25.98%n/a