PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ranney Refrigerator Employees

Greenville, MI · Charter 60789

Q2 1997

$313KAssets
$139KLoans
$286KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.55%, down 174 bps year over year.
  • Asset quality: problem loans at 3.02% of loans (-236 bps YoY).
  • Funding: loans stand at 48.68% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

1.55%-174 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 1997YoY ΔTrend
Earnings
Return on Assets2.03%2.81%3.29%3.57%2.63%2.20%1.55%-174 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-15.14%-9.88%-3.63%n/a
Loan Growth (YoY)n/an/an/an/a44.25%22.92%-28.39%n/a
Share Growth (YoY)n/an/an/an/a-17.81%-11.12%4.47%n/a
Asset Quality
Delinquent Loans / Loans4.53%3.78%5.38%5.15%2.47%2.75%3.02%-236 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans1.02%1.08%1.50%3.25%1.38%0.39%0.64%-86 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares43.14%45.75%71.02%69.25%75.71%63.27%48.68%-2,234 bps
Liquid Assets / Assets51.52%54.60%37.96%37.21%26.73%42.38%51.75%+1,380 bps