PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Medical Center East

Birmingham, AL · Charter 62727

Q4 1997

$1.6MAssets
$1.4MLoans
$1.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.06%, up 73 bps year over year.
  • Asset quality: problem loans at 0.88% of loans (+65 bps YoY).
  • Funding: loans stand at 95.97% of shares as of Q4 1997.

Return on Assets (quarter, annualized)

5.06%+73 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 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.45%4.14%4.20%4.33%4.59%4.91%4.53%5.06%+73 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
Growth
Asset Growth (YoY)n/an/an/an/a11.70%5.59%-0.39%-3.20%n/a
Loan Growth (YoY)n/an/an/an/a24.79%6.45%11.06%4.68%n/a
Share Growth (YoY)n/an/an/an/a10.08%3.77%-2.73%-6.24%n/a
Asset Quality
Delinquent Loans / Loans0.01%0.37%0.28%0.23%0.13%0.65%0.11%0.88%+65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.17%1.03%1.02%1.00%1.00%0.98%0.95%0.95%-5 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 / Shares75.79%85.55%82.33%85.95%85.92%87.76%94.00%95.97%+1,002 bps
Liquid Assets / Assets22.56%15.61%18.21%15.82%15.07%15.88%10.74%8.87%-695 bps