PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Richmond Heights

Richmond Hghts, OH · Charter 19886

Q2 1997

$756KAssets
$585KLoans
$657KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.55%, up 28 bps year over year.
  • Asset quality: problem loans at 3.00% of loans (+300 bps YoY).
  • Funding: loans stand at 89.03% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

4.55%+28 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 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.92%3.83%4.26%4.85%4.92%4.87%4.55%+28 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a10.28%6.11%-2.76%n/a
Loan Growth (YoY)n/an/an/an/a54.49%43.24%14.33%n/a
Share Growth (YoY)n/an/an/an/a7.20%2.87%-5.46%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.21%0.61%5.29%3.00%+300 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans1.61%1.53%1.37%0.53%0.54%0.65%1.20%-16 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.78%60.83%73.62%87.73%87.60%84.70%89.03%+1,541 bps
Liquid Assets / Assets32.00%38.32%24.72%15.70%10.50%13.06%1.13%-2,359 bps