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Letter portraitLegal landscapeQuarterYTD

Manistee Salt Employees

Manistee, MI · Charter 61977

Q2 1996

$2.6MAssets
$2.2MLoans
$2.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.78%, up 90 bps year over year.
  • Asset quality: problem loans at 0.41% of loans (+11 bps YoY).
  • Funding: loans stand at 96.44% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

4.78%+90 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.88%4.16%4.44%4.69%4.78%+90 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-2.66%n/an/a
Loan Growth (YoY)n/an/an/an/a24.68%n/an/a
Share Growth (YoY)n/an/an/an/a-4.67%n/an/a
Asset Quality
Delinquent Loans / Loans0.31%0.08%0.00%0.82%0.41%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.88%0.59%0.54%0.51%0.53%-35 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 / Shares73.74%79.53%86.48%94.00%96.44%+2,270 bps
Liquid Assets / Assets31.80%24.90%21.83%14.64%14.07%-1,773 bps