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Plumbers Local #27

Pittsburgh, PA · Charter 64934

Q4 1996

$888KAssets
$611KLoans
$815KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.43%, down 25 bps year over year.
  • Asset quality: problem loans at 0.28% of loans (-82 bps YoY).
  • Funding: loans stand at 75.02% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

4.43%-25 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 Assets4.75%4.68%5.07%4.82%4.91%4.43%-25 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/a19.38%26.52%n/a
Loan Growth (YoY)n/an/an/an/a23.53%10.84%n/a
Share Growth (YoY)n/an/an/an/a19.01%27.58%n/a
Asset Quality
Delinquent Loans / Loans3.56%1.10%1.14%0.82%0.77%0.28%-82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans1.44%1.64%1.32%1.92%1.93%2.24%+61 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 / Shares74.40%86.35%95.15%86.99%77.23%75.02%-1,133 bps
Liquid Assets / Assets30.67%19.42%14.39%23.16%31.27%29.03%+961 bps