PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Milk Drivers & Dairy Employees

Oakland, CA · Charter 60889

Q2 1996

$5.4MAssets
$2.8MLoans
$4.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.66%, down 11 bps year over year.
  • Asset quality: problem loans at 2.51% of loans (+223 bps YoY).
  • Funding: loans stand at 62.93% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

3.66%-11 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 1996YoY ΔTrend
Earnings
Return on Assets3.77%4.19%4.56%4.41%3.66%-11 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)n/an/an/an/a-3.55%n/an/a
Loan Growth (YoY)n/an/an/an/a-0.24%n/an/a
Share Growth (YoY)n/an/an/an/a-6.58%n/an/a
Asset Quality
Delinquent Loans / Loans0.28%1.66%1.78%1.69%2.51%+223 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.34%3.32%2.96%2.25%2.41%-93 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 / Shares58.93%62.22%65.96%70.22%62.93%+400 bps
Liquid Assets / Assets49.19%45.95%34.38%36.48%29.44%-1,976 bps