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Harman International

Bolivar, TN · Charter 68174

Q4 1997

$369KAssets
$251KLoans
$257KShares
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 6.01%, down 94 bps year over year.
  • Asset quality: problem loans at 8.49% of loans (+654 bps YoY).
  • Funding: loans stand at 97.54% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

6.01%-94 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 Assets6.95%6.41%7.82%6.64%6.01%-94 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/an/a-9.84%-9.59%-31.92%n/a
Loan Growth (YoY)n/an/a-6.16%-34.27%-51.89%n/a
Share Growth (YoY)n/an/a-17.54%-17.91%-42.29%n/a
Asset Quality
Delinquent Loans / Loans1.96%2.46%3.47%24.54%8.49%+654 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.10%8.93%8.33%11.48%17.55%+945 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 / Shares117.00%93.68%120.55%86.21%97.54%-1,946 bps
Liquid Assets / Assets7.10%26.47%12.27%39.25%34.64%+2,755 bps