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Mobil Lindsay

Lindsay, OK · Charter 11631

Q4 1996

$57KAssets
$30KLoans
$46KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, down 250 bps year over year.
  • Asset quality: problem loans at 29.53% of loans (+1,952 bps YoY).
  • Funding: loans stand at 66.40% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

1.03%-250 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.11%3.53%3.03%2.12%2.06%1.03%-250 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-5.12%-5.52%n/a
Loan Growth (YoY)n/an/an/an/a-30.90%-31.12%n/a
Share Growth (YoY)n/an/an/an/a-3.06%-3.33%n/a
Asset Quality
Delinquent Loans / Loans10.68%10.02%9.49%4.95%29.53%29.53%+1,952 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans3.41%3.40%3.57%3.77%4.94%4.94%+154 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares93.14%93.19%85.31%79.96%66.40%66.40%-2,679 bps
Liquid Assets / Assets1.90%1.41%24.83%25.37%26.92%26.92%+2,551 bps