PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hibernia Savings Bank

Quincy, MA · Cert 22054

FDIC

Q4 1997

$442.8MAssets
$310.1MLoans
$379.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.80%, up 17 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 81.78% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.80%+17 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets0.14%0.46%0.56%0.64%0.86%0.90%0.88%0.80%+17 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
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)17.71%22.44%21.39%18.10%16.08%13.96%13.00%8.09%-1,001 bps
Loan Growth (YoY)21.95%16.91%22.97%31.18%32.71%27.57%25.53%13.48%-1,769 bps
Deposit Growth (YoY)9.21%12.97%15.58%19.23%20.06%23.27%13.26%12.04%-718 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits73.13%76.72%76.66%80.74%80.84%79.39%84.96%81.78%+104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a