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Cumberland Teachers

Crossville, TN · Charter 68140

Q4 1997

$1.0MAssets
$744KLoans
$862KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.95%, up 16 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-109 bps YoY).
  • Funding: loans stand at 86.27% of shares as of Q4 1997.

Return on Assets (quarter, annualized)

3.95%+16 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.36%3.51%3.62%3.79%3.45%3.44%4.28%3.95%+16 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-6.96%-9.52%-1.18%2.63%n/a
Loan Growth (YoY)n/an/an/an/a11.25%7.51%7.68%8.03%n/a
Share Growth (YoY)n/an/an/an/a-10.18%-13.29%-4.02%0.79%n/a
Asset Quality
Delinquent Loans / Loans0.22%0.12%1.32%1.09%0.00%0.00%1.24%0.00%-109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.83%0.72%0.71%0.73%0.63%0.57%0.55%0.57%-16 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 / Shares65.43%74.13%82.51%80.49%81.03%91.90%92.56%86.27%+578 bps
Liquid Assets / Assets22.09%14.16%26.98%27.57%27.94%19.39%20.41%23.73%-384 bps