PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. John Marie Vianney

Hayes, LA · Charter 62729

Q4 1996

$266KAssets
$65KLoans
$212KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -1.50%, down 312 bps year over year.
  • Asset quality: problem loans at 7.60% of loans (-93 bps YoY).
  • Funding: loans stand at 30.61% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

-1.50%-312 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 1996YoY ΔTrend
Earnings
Return on Assets-0.22%1.61%1.62%0.06%0.14%-1.50%-312 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-18.73%-15.09%n/a
Loan Growth (YoY)n/an/an/an/a-46.15%-43.74%n/a
Share Growth (YoY)n/an/an/an/a-23.03%-16.61%n/a
Asset Quality
Delinquent Loans / Loans1.35%8.53%7.30%8.94%2.67%7.60%-93 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans3.64%4.30%4.21%5.19%6.75%6.90%+260 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares48.67%45.37%49.20%43.14%34.06%30.61%-1,476 bps
Liquid Assets / Assets38.65%48.72%51.33%43.95%54.53%73.13%+2,441 bps