Gadsden, AL · Charter 7484
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Gadsden, AL · Charter 7484
Q4 1996
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 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.48% | 4.51% | 4.54% | n/a | 4.57% | +9 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) | 12.87% | 10.38% | 8.46% | 8.07% | 6.44% | -643 bps | |
| Loan Growth (YoY) | 13.43% | 11.97% | 13.07% | 11.09% | 6.82% | -661 bps | |
| Share Growth (YoY) | 12.12% | 9.51% | 8.34% | 7.82% | 5.91% | -622 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.99% | 1.08% | 1.16% | 1.12% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.21% | 1.06% | 0.94% | 0.79% | -49 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 | 77.22% | 75.16% | 76.32% | 77.31% | 77.89% | +67 bps | |
| Liquid Assets / Assets | 7.50% | 6.84% | 8.59% | 6.80% | 8.24% | +74 bps | |