PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Covenant Healthcare

Milwaukee, WI · Charter 67236

Q4 1997

$1.3MAssets
$1.1MLoans
$1.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.19%, down 57 bps year over year.
  • Asset quality: problem loans at 3.52% of loans (+34 bps YoY).
  • Funding: loans stand at 94.38% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

3.19%-57 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 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.61%2.07%2.98%3.77%3.90%3.74%3.37%3.19%-57 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/a11.45%6.15%4.05%7.52%n/a
Loan Growth (YoY)n/an/an/an/a4.50%19.24%18.85%-0.14%n/a
Share Growth (YoY)n/an/an/an/a9.43%3.13%0.66%5.28%n/a
Asset Quality
Delinquent Loans / Loans1.18%1.50%1.78%3.18%5.29%2.75%2.41%3.52%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.79%0.55%1.09%1.08%1.48%0.70%0.79%-30 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 / Shares96.45%91.56%87.27%99.51%92.11%105.86%103.04%94.38%-513 bps
Liquid Assets / Assets7.33%12.51%19.18%9.80%14.80%3.74%7.31%14.82%+502 bps