PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Meridian Bank

Reading, PA · Cert 11870

FDIC

Q1 1996

$11.6BAssets
$8.7BLoans
$9.2BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.58%, up 35 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 94.24% of deposits as of Q1 1996.

Return on Assets (YTD, annualized)

1.58%+35 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996YoY ΔTrend
Earnings
Return on Assets1.47%1.34%1.32%1.24%1.09%1.25%1.34%1.58%+35 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a3.86%-4.92%-2.52%-3.16%-9.13%-1,299 bps
Loan Growth (YoY)n/an/an/a4.17%1.80%4.32%3.89%0.45%-372 bps
Deposit Growth (YoY)n/an/an/a-3.22%-0.01%-1.87%-1.81%-2.86%+36 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits87.75%89.45%88.40%91.14%89.34%95.09%93.54%94.24%+310 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a