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E B N

Erie, PA · Charter 16047

Q2 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: Q2 1995, the quarter ended June 30, 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

E B N

Erie, PA · Charter 16047

Q2 1995

$151KAssets
$78KLoans
$138KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -1.87%.
  • Asset quality: problem loans at 0.95% of loans.
  • Funding: loans stand at 56.26% of shares as of Q2 1995.

Return on Assets (YTD, annualized)

-1.87%

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 1995YoY ΔTrend
Earnings
Return on Assets2.63%3.62%-1.87%n/a
Return on Equityn/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a
Efficiency Ration/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans8.12%11.54%0.95%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans11.94%11.65%14.02%n/a
Capital
Risk-Based Capitaln/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.09%71.81%56.26%n/a
Liquid Assets / Assets24.47%28.12%21.15%n/a