PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Counties Trust Co.

Cranford, NJ · Cert 552

FDIC

Q4 1995

$1.6BAssets
$374.5MLoans
$1.3BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.38%, down 5 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 28.55% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.38%-5 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 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.37%1.40%1.42%1.43%1.30%1.36%1.37%1.38%-5 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)n/an/an/an/a-1.78%-3.18%-1.10%-4.34%n/a
Loan Growth (YoY)n/an/an/an/a3.22%2.73%5.56%3.50%n/a
Deposit Growth (YoY)n/an/an/an/a-4.12%-5.75%-4.95%-3.19%n/a
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 / Deposits25.67%25.61%25.98%26.70%27.63%27.92%28.86%28.55%+184 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