Osborne, KS · Charter 9277
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.
Osborne, KS · Charter 9277
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.21% | 4.75% | 4.89% | 4.79% | 6.48% | +127 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 | n/a | -1.64% | -12.88% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 1.48% | -20.31% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -8.09% | -17.42% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.82% | 6.47% | 9.44% | 12.25% | 9.85% | +703 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.99% | 2.65% | 2.82% | 3.55% | +195 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 | 118.26% | 123.30% | 117.75% | 122.29% | 114.11% | -415 bps | |
| Liquid Assets / Assets | 7.95% | 9.57% | 11.72% | 7.89% | 5.40% | -255 bps | |