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Maryland General Hospital Emp

Baltimore, MD · Charter 20768

Q2 1996

$1.4MAssets
$433KLoans
$1.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.42%, up 102 bps year over year.
  • Asset quality: problem loans at 4.24% of loans (+60 bps YoY).
  • Funding: loans stand at 35.99% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

4.42%+102 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.41%3.52%4.20%3.75%4.42%+102 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/a14.01%n/an/a
Loan Growth (YoY)n/an/an/an/a-21.25%n/an/a
Share Growth (YoY)n/an/an/an/a14.18%n/an/a
Asset Quality
Delinquent Loans / Loans3.64%3.81%4.51%2.36%4.24%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.49%4.54%4.20%5.80%6.41%+292 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 / Shares52.18%55.28%41.89%44.59%35.99%-1,619 bps
Liquid Assets / Assets0.00%46.11%53.11%46.60%58.84%+5,884 bps