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Eaton Corporation Gallatin

Gallatin, TN · Charter 68118

Q4 1997

$1.7MAssets
$1.4MLoans
$1.4MShares
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 2.13%, down 52 bps year over year.
  • Asset quality: problem loans at 1.22% of loans (+103 bps YoY).
  • Funding: loans stand at 98.79% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

2.13%-52 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.65%2.61%2.54%2.06%2.13%-52 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/a-10.56%-8.47%-13.51%-5.23%n/a
Loan Growth (YoY)n/a29.28%13.55%-8.32%-8.38%n/a
Share Growth (YoY)n/a-13.93%-10.71%-16.57%-8.32%n/a
Asset Quality
Delinquent Loans / Loans0.19%1.08%0.67%0.38%1.22%+103 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.02%0.96%1.21%0.99%0.93%-9 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 / Shares98.85%98.94%91.25%97.72%98.79%-6 bps
Liquid Assets / Assets10.49%10.85%16.57%13.96%10.93%+45 bps