PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

American Trouser Employees

Columbus, MS · Charter 9341

Q4 1995

$752KAssets
$32KLoans
$576KShares
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 4.49%.
  • Asset quality: problem loans at 23.66% of loans.
  • Funding: loans stand at 5.55% of shares as of Q4 1995.

Financial Results

Return on Assets (quarter, annualized)

4.49%

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets2.65%3.21%4.60%4.49%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.22%0.14%7.49%23.66%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans2.07%1.90%3.31%8.29%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares38.24%43.36%25.86%5.55%n/a
Liquid Assets / Assets66.13%54.49%74.05%91.83%n/a