PackageTrendsPeer
Letter portraitLegal landscape

Personnel of St Elizabeths Hospital

Utica, NY · Charter 15316

Q4 1995

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1995, the quarter ended December 31, 1995, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Personnel of St Elizabeths Hospital

Utica, NY · Charter 15316

Q4 1995

$1.6MAssets
$1.4MLoans
$1.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -27.38%.
  • Asset quality: problem loans at 9.19% of loans.
  • Funding: loans stand at 79.42% of shares as of Q4 1995.

Return on Assets (YTD, annualized)

-27.38%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets5.81%6.43%4.45%-27.38%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 / Loans0.64%0.72%1.45%9.19%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans0.65%0.63%0.92%10.23%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares97.47%113.10%102.79%79.42%n/a
Liquid Assets / Assets1.70%0.28%4.31%10.58%n/a