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Samsonite Employees

Murfreesboro, TN · Charter 15195

Q4 1996

$2.9MAssets
$993KLoans
$2.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.19%, down 14 bps year over year.
  • Asset quality: problem loans at 9.65% of loans (+747 bps YoY).
  • Funding: loans stand at 39.82% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

5.19%-14 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 Assets4.75%5.33%5.75%6.24%5.25%5.19%-14 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-7.14%-10.21%n/a
Loan Growth (YoY)n/an/an/an/a-8.78%-31.27%n/a
Share Growth (YoY)n/an/an/an/a-11.01%-13.52%n/a
Asset Quality
Delinquent Loans / Loans1.98%2.18%6.43%18.08%12.01%9.65%+747 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans3.03%1.44%1.51%1.84%1.99%2.14%+70 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 / Shares46.73%50.11%51.12%55.43%47.90%39.82%-1,029 bps
Liquid Assets / Assets24.86%22.70%40.99%35.70%22.42%33.38%+1,068 bps