PackageTrendsPeer
Letter portraitLegal landscape

Liberty Medical Center Employees

Baltimore, MD · Charter 16634

Q2 1999

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 1999, the quarter ended June 30, 1999, 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

Liberty Medical Center Employees

Baltimore, MD · Charter 16634

Q2 1999

$372KAssets
$68KLoans
$354KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.63%, down 182 bps year over year.
  • Asset quality: problem loans at 18.22% of loans (+553 bps YoY).
  • Funding: loans stand at 19.24% of shares as of Q2 1999.

Return on Assets (YTD, annualized)

-0.63%-182 bps YoY

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.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.35%-1.89%-5.09%1.20%-0.38%-1.14%-0.51%-0.63%-182 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
Growth
Asset Growth (YoY)n/a-22.67%-35.46%-33.05%-22.61%-20.81%-27.86%-40.70%-766 bps
Loan Growth (YoY)n/a-33.44%-43.94%-42.15%-50.88%-46.96%-37.90%-63.65%-2,150 bps
Share Growth (YoY)n/a-22.84%-34.48%-31.34%-15.91%-16.69%-24.55%-39.05%-771 bps
Asset Quality
Delinquent Loans / Loans7.67%9.32%5.80%12.70%11.21%10.96%16.47%18.22%+553 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%5.30%10.34%12.25%11.19%13.41%16.85%17.23%+498 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares70.76%39.24%56.81%32.26%41.33%24.98%46.76%19.24%-1,302 bps
Liquid Assets / Assets34.88%53.31%34.03%59.68%54.25%69.25%41.99%49.15%-1,052 bps