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Harrisburg Belco

Harrisburg, PA · Charter 3178

Q1 1997

$124.2MAssets
$90.7MLoans
$108.1MShares
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 4.10%, down 32 bps year over year.
  • Asset quality: problem loans at 1.00% of loans (-31 bps YoY).
  • Funding: loans stand at 83.83% of shares as of Q1 1997.

Financial Results

Return on Assets (YTD, annualized)

4.10%-32 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets4.42%4.21%n/a4.31%4.10%-32 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)7.58%7.19%5.19%2.83%1.50%-608 bps
Loan Growth (YoY)-1.55%0.52%1.32%4.81%9.24%+1,079 bps
Share Growth (YoY)6.84%6.54%4.26%2.08%0.34%-650 bps
Asset Quality
Delinquent Loans / Loans1.30%1.75%1.25%1.30%1.00%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.77%0.79%0.70%0.60%0.62%-15 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 / Shares77.00%77.77%81.17%84.70%83.83%+683 bps
Liquid Assets / Assets4.17%1.80%2.43%5.65%4.06%-12 bps