PackageTrendsPeer
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Elyria S&T NB

Elyria, OH · Cert 14916

FDIC

Q3 1997

$525.4MAssets
$383.4MLoans
$431.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.44%, up 24 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 88.88% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

1.44%+24 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.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.09%1.06%1.12%1.19%1.26%1.37%1.42%1.44%+24 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)-3.82%-3.05%-4.35%-1.69%4.13%-0.67%0.95%6.38%+807 bps
Loan Growth (YoY)-5.47%-6.54%-6.84%-1.51%4.32%7.04%9.87%8.64%+1,015 bps
Deposit Growth (YoY)-4.55%-2.99%-2.35%-1.39%2.01%0.91%-0.70%-0.03%+136 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 / Deposits77.80%79.86%78.23%81.78%79.55%84.71%86.56%88.88%+710 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