Wartburg, TN · Charter 68163
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Wartburg, TN · Charter 68163
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.73% | 0.69% | 2.75% | 2.32% | 1.86% | -287 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -10.05% | -16.39% | -16.40% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 14.32% | 5.14% | -10.31% | n/a | |
| Share Growth (YoY) | n/a | n/a | -22.60% | -23.71% | -22.39% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.54% | 2.58% | 1.54% | 0.84% | 3.35% | -418 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.19% | 1.06% | 1.35% | 2.22% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.56% | 81.65% | 124.18% | 99.42% | 91.94% | +1,238 bps | |
| Liquid Assets / Assets | 21.40% | 9.08% | 0.00% | 1.44% | 4.43% | -1,697 bps | |