PackageTrendsPeer
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Relco

Winchester, IL · Charter 65737

Q4 1996

$265KAssets
$153KLoans
$230KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.26%, up 130 bps year over year.
  • Asset quality: problem loans at 1.33% of loans (+133 bps YoY).
  • Funding: loans stand at 66.67% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

4.26%+130 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 Assets2.61%2.96%2.54%3.64%3.57%4.26%+130 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/a3.66%-0.89%n/a
Loan Growth (YoY)n/an/an/an/a22.47%15.66%n/a
Share Growth (YoY)n/an/an/an/a3.22%-5.80%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%1.33%+133 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.76%0.66%0.75%0.62%0.65%-10 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 / Shares52.54%54.30%63.38%52.79%62.33%66.67%+1,237 bps
Liquid Assets / Assets39.33%41.98%39.83%46.09%32.33%32.24%-974 bps