PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

IBEW Local 846

Chattanooga, TN · Charter 67949

Q4 1997

$2.2MAssets
$1.9MLoans
$1.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.60%, down 102 bps year over year.
  • Asset quality: problem loans at 9.03% of loans (+631 bps YoY).
  • Funding: loans stand at 100.33% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

4.60%-102 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 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.83%4.73%5.23%5.62%5.55%5.73%5.59%4.60%-102 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-16.54%-11.44%-13.94%-8.59%n/a
Loan Growth (YoY)n/an/an/an/a-18.23%-28.70%-12.61%-7.81%n/a
Share Growth (YoY)n/an/an/an/a-3.20%-4.35%-18.31%-11.54%n/a
Asset Quality
Delinquent Loans / Loans0.54%1.64%1.01%2.72%3.43%6.07%13.16%9.03%+631 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.57%1.01%1.38%1.04%1.02%1.12%2.74%+135 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares118.45%113.25%90.39%96.27%100.07%84.42%96.69%100.33%+406 bps
Liquid Assets / Assets9.01%8.08%18.80%15.96%9.02%26.17%16.72%14.36%-160 bps