PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

B & O Employees

Walbridge, OH · Charter 4021

Q4 1999

$578KAssets
$271KLoans
$469KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -3.74%, down 661 bps year over year; NIM at 0.59%.
  • Asset quality: problem loans at 0.00% of loans (-385 bps YoY).
  • Funding: loans stand at 57.83% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

-3.74%-661 bps YoY

Net Interest Margin (quarter, annualized)

0.59%
n/a

Efficiency Ratio (quarter, annualized)

749%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.44%3.94%3.27%2.87%0.74%1.40%1.86%-3.74%-661 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a0.59%n/an/a
Efficiency Ration/an/an/an/an/an/an/a749%n/an/a
Growth
Asset Growth (YoY)-24.20%-21.82%-16.89%-14.26%-6.85%-6.07%-1.05%-7.47%+679 bps
Loan Growth (YoY)24.57%41.11%42.55%11.97%-4.08%-13.02%-18.02%-28.77%-4,075 bps
Share Growth (YoY)-28.86%-27.45%-22.45%-18.99%-8.66%-7.19%-0.05%-3.69%+1,529 bps
Asset Quality
Delinquent Loans / Loans0.19%4.27%3.81%3.85%0.00%0.20%0.20%0.00%-385 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.58%0.71%1.05%1.45%0.18%0.53%1.08%1.21%-24 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 / Shares64.62%73.86%80.58%78.19%67.86%69.22%66.09%57.83%-2,036 bps
Liquid Assets / Assets29.43%23.69%17.64%20.33%42.67%42.70%41.84%21.35%+102 bps