PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hca

Hackettstown, NJ · Charter 22200

Q4 1997

$1.4MAssets
$891KLoans
$1.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.22%, up 104 bps year over year.
  • Asset quality: problem loans at 4.66% of loans (+210 bps YoY).
  • Funding: loans stand at 66.16% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

3.22%+104 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 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.78%3.20%4.36%2.18%3.56%3.54%3.73%3.22%+104 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/an/an/an/a-2.24%-3.39%6.27%16.84%n/a
Loan Growth (YoY)n/an/an/an/a19.80%5.55%-0.73%-7.04%n/a
Share Growth (YoY)n/an/an/an/a-3.45%-1.06%6.16%17.60%n/a
Asset Quality
Delinquent Loans / Loans3.40%2.13%2.56%2.56%2.18%2.13%2.22%4.66%+210 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.26%2.19%2.61%2.61%1.96%2.03%1.87%1.94%-68 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 / Shares69.29%86.64%83.70%83.70%85.98%92.43%78.27%66.16%-1,754 bps
Liquid Assets / Assets27.92%14.18%15.05%19.97%15.14%10.19%22.11%30.62%+1,065 bps