PackageTrendsPeer
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Carondelet

Tucson, AZ · Charter 64550

Q2 1996

$2.7MAssets
$1.8MLoans
$2.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.71%, down 73 bps year over year.
  • Asset quality: problem loans at 1.30% of loans (+72 bps YoY).
  • Funding: loans stand at 71.68% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

2.71%-73 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 Assets3.44%3.26%3.23%3.48%2.71%-73 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/a11.50%n/an/a
Loan Growth (YoY)n/an/an/an/a3.56%n/an/a
Share Growth (YoY)n/an/an/an/a11.79%n/an/a
Asset Quality
Delinquent Loans / Loans0.58%0.51%0.85%0.82%1.30%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.86%1.70%1.31%1.28%1.48%-38 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 / Shares77.38%80.92%90.33%81.90%71.68%-570 bps
Liquid Assets / Assets12.01%9.28%9.56%11.69%0.00%-1,201 bps