PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Strathmore Paper Co. Employees

Westfield, MA · Charter 19970

Q2 1996

$255KAssets
$143KLoans
$228KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.86%, down 209 bps year over year.
  • Asset quality: problem loans at 5.65% of loans (+461 bps YoY).
  • Funding: loans stand at 62.72% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

0.86%-209 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.95%3.67%2.68%-1.91%0.86%-209 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-34.35%n/an/a
Loan Growth (YoY)n/an/an/an/a-20.02%n/an/a
Share Growth (YoY)n/an/an/an/a-34.52%n/an/a
Asset Quality
Delinquent Loans / Loans1.04%7.09%12.58%7.50%5.65%+461 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%2.31%2.68%3.31%3.94%+162 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares51.34%57.05%55.12%57.13%62.72%+1,137 bps
Liquid Assets / Assets36.23%43.21%42.97%42.58%39.22%+299 bps